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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 | $80,773 | $56,431+43.1% | $130,788-38.2% | $87,485-7.7% |
| Participation rate | 44.3% | 58.9%-14.6pp | 70.1%-25.8pp | 68.9%-24.6pp |
| Annual return | 13.88% | 91.27%-77.4pp | 386.44%-372.6pp | 26.06%-12.2pp |
| Employer contribution / active EE | $1,279 | $1,549-17.5% | $3,558-64.1% | $2,596-50.7% |
| Participant deferral / active EE | $3,219 | $2,749+17.1% | $4,137-22.2% | $4,274-24.7% |
| Admin fee / account holder | $29,413 | $4,433+563.5% | $6,673+340.8% | $7,775+278.3% |