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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 | $47,672 | $27,943+70.6% | $58,507-18.5% | $75,177-36.6% |
| Participation rate | 48.1% | 38.8%+9.2pp | 50.9%-2.8pp | 67.2%-19.1pp |
| Annual return | 23.69% | 44.22%-20.5pp | 4252.32%-4228.6pp | 160.75%-137.1pp |
| Employer contribution / active EE | $698 | $670+4.2% | $1,053-33.7% | $2,671-73.9% |
| Participant deferral / active EE | $1,293 | $1,202+7.6% | $1,922-32.7% | $4,126-68.7% |
| Admin fee / account holder | $5,541 | $1,727+220.8% | $2,486+122.9% | $5,651-2.0% |