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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 | $133,387 | $102,385+30.3% | $147,080-9.3% | $80,935+64.8% |
| Participation rate | 46.4% | 75.9%-29.4pp | 82.2%-35.8pp | 67.7%-21.2pp |
| Annual return | 13.29% | 135.09%-121.8pp | 420.17%-406.9pp | 35.66%-22.4pp |
| Employer contribution / active EE | $1,482 | $3,717-60.1% | $4,933-70.0% | $2,757-46.2% |
| Participant deferral / active EE | $3,348 | $6,651-49.7% | $8,066-58.5% | $4,299-22.1% |
| Admin fee / account holder | $12,713 | $7,951+59.9% | $12,989-2.1% | $6,924+83.6% |