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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,626 | $70,666-66.6% | $169,385-86.1% | $75,181-68.6% |
| Participation rate | 48.9% | 64.8%-15.8pp | 77.2%-28.2pp | 67.2%-18.3pp |
| Annual return | 34.67% | 36.37%-1.7pp | 405.82%-371.1pp | 160.69%-126.0pp |
| Employer contribution / active EE | $2,486 | $2,210+12.5% | $4,012-38.0% | $2,671-6.9% |
| Participant deferral / active EE | $4,764 | $4,308+10.6% | $6,221-23.4% | $4,126+15.5% |
| Admin fee / account holder | $5,486 | $5,402+1.5% | $9,011-39.1% | $5,650-2.9% |