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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 | $56,489 | $65,566-13.8% | $86,235-34.5% | $75,177-24.9% |
| Participation rate | 50.0% | 60.5%-10.5pp | 69.0%-19.0pp | 67.2%-17.2pp |
| Annual return | 13.95% | 46.07%-32.1pp | 1170.03%-1156.1pp | 160.75%-146.8pp |
| Employer contribution / active EE | $2,047 | $1,553+31.8% | $2,381-14.0% | $2,671-23.4% |
| Participant deferral / active EE | $2,854 | $3,023-5.6% | $3,987-28.4% | $4,126-30.8% |
| Admin fee / account holder | $2,624 | $5,470-52.0% | $6,856-61.7% | $5,651-53.6% |