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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 | $73,397+23.3% | $178,014-49.2% | $74,546+21.4% |
| Participation rate | 48.3% | 66.6%-18.2pp | 77.1%-28.7pp | 67.2%-18.9pp |
| Annual return | 18.49% | 17.49%+1.0pp | 294.80%-276.3pp | 1366.03%-1347.5pp |
| Employer contribution / active EE | $2,583 | $2,217+16.5% | $3,950-34.6% | $2,624-1.6% |
| Participant deferral / active EE | $4,676 | $4,512+3.6% | $6,276-25.5% | $4,347+7.5% |
| Admin fee / account holder | $16,227 | $1,809+796.9% | $10,362+56.6% | $1,944+734.9% |