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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 | $125,721 | $117,895+6.6% | $102,460+22.7% | $145,897-13.8% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 12.41% | 31.92%-19.5pp | 29.47%-17.1pp | 552.29%-539.9pp |
| Employer contribution / active EE | $1,263 | $3,619-65.1% | $3,025-58.2% | $4,663-72.9% |
| Participant deferral / active EE | $3,684 | $5,736-35.8% | $5,056-27.1% | $6,689-44.9% |
| Admin fee / account holder | $30,162 | $13,353+125.9% | $9,460+218.8% | $13,390+125.3% |