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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 | $28,358 | $48,432-41.4% | $121,204-76.6% | $71,511-60.3% |
| Participation rate | 26.3% | 54.3%-28.0pp | 69.5%-43.2pp | 67.9%-41.6pp |
| Annual return | 46.30% | 23.28%+23.0pp | 987.18%-940.9pp | 28.86%+17.4pp |
| Employer contribution / active EE | $1,067 | $1,493-28.6% | $4,170-74.4% | $2,589-58.8% |
| Participant deferral / active EE | $2,274 | $2,756-17.5% | $4,083-44.3% | $4,291-47.0% |
| Admin fee / account holder | $939 | $1,845-49.1% | $5,651-83.4% | $1,588-40.9% |