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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 | $34,876 | $29,733+17.3% | $56,025-37.7% | $80,959-56.9% |
| Participation rate | 31.1% | 41.7%-10.6pp | 52.5%-21.4pp | 67.7%-36.6pp |
| Annual return | 97.44% | 35.28%+62.2pp | 1712.69%-1615.2pp | 35.67%+61.8pp |
| Employer contribution / active EE | $459 | $672-31.7% | $1,042-55.9% | $2,757-83.4% |
| Participant deferral / active EE | $1,174 | $1,229-4.5% | $1,955-39.9% | $4,300-72.7% |
| Admin fee / account holder | $2,100 | $2,434-13.7% | $2,828-25.8% | $6,925-69.7% |