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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 | $74,301 | $76,519-2.9% | $56,025+32.6% | $145,897-49.1% |
| Participation rate | 21.7% | 63.2%-41.5pp | 52.5%-30.8pp | 80.3%-58.6pp |
| Annual return | 14.82% | 3017.03%-3002.2pp | 1712.69%-1697.9pp | 552.29%-537.5pp |
| Employer contribution / active EE | $653 | $1,383-52.8% | $1,042-37.3% | $4,663-86.0% |
| Participant deferral / active EE | $2,821 | $2,624+7.5% | $1,955+44.3% | $6,689-57.8% |
| Admin fee / account holder | $2,734 | $3,331-17.9% | $2,828-3.3% | $13,390-79.6% |