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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 | $73,532+23.1% | $178,505-49.3% | $74,478+21.5% |
| Participation rate | 48.3% | 66.6%-18.2pp | 77.1%-28.8pp | 67.2%-18.9pp |
| Annual return | 18.49% | 17.49%+1.0pp | 27.16%-8.7pp | 1370.56%-1352.1pp |
| Employer contribution / active EE | $2,583 | $2,221+16.3% | $3,955-34.7% | $2,626-1.6% |
| Participant deferral / active EE | $4,676 | $4,519+3.5% | $6,280-25.6% | $4,350+7.5% |
| Admin fee / account holder | $16,227 | $1,813+795.3% | $10,428+55.6% | $1,946+734.0% |