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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 | $56,060+126.6% | $76,002+67.2% | $80,874+57.1% |
| Participation rate | 45.2% | 62.0%-16.9pp | 69.1%-23.9pp | 67.6%-22.5pp |
| Annual return | 12.68% | 20.54%-7.9pp | 360.07%-347.4pp | 35.62%-22.9pp |
| Employer contribution / active EE | $2,916 | $1,873+55.7% | $2,688+8.5% | $2,756+5.8% |
| Participant deferral / active EE | $1,434 | $3,051-53.0% | $4,257-66.3% | $4,297-66.6% |
| Admin fee / account holder | $27,634 | $5,237+427.6% | $6,414+330.9% | $6,935+298.5% |