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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 | $18,562 | $48,053-61.4% | $84,637-78.1% | $72,976-74.6% |
| Participation rate | 57.1% | 57.6%-0.4pp | 68.2%-11.1pp | 69.5%-12.3pp |
| Annual return | 66.96% | 37.39%+29.6pp | 258.82%-191.9pp | 81.02%-14.1pp |
| Employer contribution / active EE | $4,005 | $1,602+150.0% | $2,653+51.0% | $2,440+64.2% |
| Participant deferral / active EE | $2,795 | $2,681+4.3% | $3,900-28.3% | $3,608-22.5% |
| Admin fee / account holder | $2,387 | $3,395-29.7% | $4,914-51.4% | $5,124-53.4% |