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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 | $125,463 | $105,856+18.5% | $90,161+39.2% | $147,586-15.0% |
| Participation rate | 50.0% | 79.7%-29.7pp | 76.9%-26.9pp | 82.8%-32.8pp |
| Annual return | 19.35% | 37.63%-18.3pp | 34.89%-15.5pp | 578.59%-559.2pp |
| Employer contribution / active EE | $1,500 | $4,126-63.6% | $3,318-54.8% | $4,876-69.2% |
| Participant deferral / active EE | $3,000 | $5,733-47.7% | $5,287-43.3% | $5,439-44.8% |
| Admin fee / account holder | $33,675 | $8,046+318.5% | $5,943+466.6% | $10,886+209.4% |