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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 | $114,342 | $88,203+29.6% | $165,100-30.7% | $74,478+53.5% |
| Participation rate | 56.3% | 73.1%-16.8pp | 78.6%-22.3pp | 67.2%-10.9pp |
| Annual return | 14.81% | 17.13%-2.3pp | 70.21%-55.4pp | 1370.56%-1355.8pp |
| Employer contribution / active EE | $0 | $2,601-100.0% | $4,348-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,074 | $4,505-31.8% | $6,035-49.1% | $4,350-29.3% |
| Admin fee / account holder | $7,399 | $2,235+231.0% | $12,696-41.7% | $1,946+280.2% |