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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 | $66,868 | $49,199+35.9% | $121,210-44.8% | $75,177-11.1% |
| Participation rate | 50.7% | 55.4%-4.7pp | 69.5%-18.9pp | 67.2%-16.5pp |
| Annual return | 14.73% | 56.04%-41.3pp | 987.41%-972.7pp | 160.75%-146.0pp |
| Employer contribution / active EE | $1,638 | $1,547+5.8% | $4,171-60.7% | $2,671-38.7% |
| Participant deferral / active EE | $3,086 | $2,630+17.3% | $4,084-24.4% | $4,126-25.2% |
| Admin fee / account holder | $2,631 | $3,946-33.3% | $5,647-53.4% | $5,651-53.4% |