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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 | $90,505 | $73,459+23.2% | $178,528-49.3% | $74,429+21.6% |
| Participation rate | 48.3% | 66.5%-18.2pp | 77.1%-28.8pp | 67.2%-18.9pp |
| Annual return | 18.49% | 17.50%+1.0pp | 27.11%-8.6pp | 1368.38%-1349.9pp |
| Employer contribution / active EE | $2,583 | $2,219+16.4% | $3,950-34.6% | $2,625-1.6% |
| Participant deferral / active EE | $4,676 | $4,515+3.6% | $6,278-25.5% | $4,348+7.5% |
| Admin fee / account holder | $16,227 | $1,812+795.6% | $10,419+55.7% | $1,944+734.6% |