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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 | $127,051 | $55,902+127.3% | $76,030+67.1% | $80,959+56.9% |
| Participation rate | 45.2% | 62.1%-16.9pp | 69.1%-23.9pp | 67.7%-22.5pp |
| Annual return | 12.68% | 20.59%-7.9pp | 361.54%-348.9pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,916 | $1,867+56.2% | $2,688+8.5% | $2,757+5.8% |
| Participant deferral / active EE | $1,434 | $3,051-53.0% | $4,257-66.3% | $4,300-66.7% |
| Admin fee / account holder | $27,634 | $5,239+427.4% | $6,421+330.4% | $6,925+299.0% |