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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 | $40,791 | $65,555-37.8% | $86,216-52.7% | $75,173-45.7% |
| Participation rate | 44.7% | 60.5%-15.8pp | 69.0%-24.3pp | 67.2%-22.5pp |
| Annual return | 15.77% | 46.07%-30.3pp | 1169.42%-1153.6pp | 160.72%-145.0pp |
| Employer contribution / active EE | $659 | $1,553-57.6% | $2,382-72.3% | $2,671-75.3% |
| Participant deferral / active EE | $2,098 | $3,023-30.6% | $3,986-47.4% | $4,126-49.1% |
| Admin fee / account holder | $1,454 | $5,469-73.4% | $6,853-78.8% | $5,651-74.3% |