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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 | $46,728 | $45,566+2.5% | $64,105-27.1% | $59,633-21.6% |
| Participation rate | 41.4% | 60.2%-18.8pp | 68.2%-26.8pp | 68.7%-27.3pp |
| Annual return | 71.92% | 4.95%+67.0pp | 791.24%-719.3pp | 2041.45%-1969.5pp |
| Employer contribution / active EE | $598 | $934-36.0% | $1,820-67.2% | $2,203-72.9% |
| Participant deferral / active EE | $1,331 | $2,057-35.3% | $2,822-52.8% | $3,192-58.3% |
| Admin fee / account holder | $957 | $3,268-70.7% | $4,499-78.7% | $4,297-77.7% |