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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 | $20,266 | $51,222-60.4% | $70,544-71.3% | $75,173-73.0% |
| Participation rate | 60.6% | 61.0%-0.4pp | 68.4%-7.7pp | 67.2%-6.6pp |
| Annual return | 117.96% | 30.06%+87.9pp | 32.79%+85.2pp | 160.72%-42.8pp |
| Employer contribution / active EE | $3,608 | $1,827+97.5% | $2,976+21.2% | $2,671+35.1% |
| Participant deferral / active EE | $6,456 | $2,850+126.5% | $4,568+41.3% | $4,126+56.5% |
| Admin fee / account holder | $1,472 | $4,096-64.1% | $6,427-77.1% | $5,651-73.9% |