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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 | $120,289 | $55,470+116.9% | $155,556-22.7% | $74,478+61.5% |
| Participation rate | 44.4% | 61.9%-17.5pp | 78.2%-33.8pp | 67.2%-22.8pp |
| Annual return | 12.30% | 269.80%-257.5pp | 64.84%-52.5pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $1,698 | $2,267-25.1% | $4,675-63.7% | $2,626-35.3% |
| Participant deferral / active EE | $3,682 | $2,838+29.7% | $5,631-34.6% | $4,350-15.4% |
| Admin fee / account holder | $35,930 | $1,744+1959.9% | $15,885+126.2% | $1,946+1746.5% |