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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 | $98,717 | $49,976+97.5% | $66,674+48.1% | $82,637+19.5% |
| Participation rate | 39.6% | 63.1%-23.5pp | 73.7%-34.1pp | 68.1%-28.5pp |
| Annual return | 18.32% | 39.09%-20.8pp | 321.24%-302.9pp | 53.51%-35.2pp |
| Employer contribution / active EE | $359 | $1,988-82.0% | $2,620-86.3% | $2,552-85.9% |
| Participant deferral / active EE | $1,819 | $2,847-36.1% | $4,084-55.5% | $4,126-55.9% |
| Admin fee / account holder | $34,409 | $4,594+649.1% | $5,098+574.9% | $7,339+368.9% |