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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 | $61,594 | $39,028+57.8% | $80,741-23.7% | $85,847-28.3% |
| Participation rate | 58.3% | 41.6%+16.8pp | 54.2%+4.2pp | 69.3%-11.0pp |
| Annual return | 16.53% | 26.31%-9.8pp | 87.30%-70.8pp | 318.61%-302.1pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,220 | $1,326-8.0% | $2,145-43.1% | $3,952-69.1% |
| Admin fee / account holder | $27,207 | $2,429+1020.1% | $3,380+704.9% | $6,261+334.6% |