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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 | $41,008 | $30,423+34.8% | $56,025-26.8% | $74,478-44.9% |
| Participation rate | 62.7% | 32.9%+29.8pp | 52.5%+10.2pp | 67.2%-4.5pp |
| Annual return | 12.04% | 24.97%-12.9pp | 1712.69%-1700.6pp | 1370.56%-1358.5pp |
| Employer contribution / active EE | $473 | $610-22.5% | $1,042-54.6% | $2,626-82.0% |
| Participant deferral / active EE | $3,301 | $1,176+180.6% | $1,955+68.9% | $4,350-24.1% |
| Admin fee / account holder | $2,828 | $2,363+19.7% | $2,8280% | $1,946+45.3% |