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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 | $51,638+91.2% | $68,368+44.4% | $82,448+19.7% |
| Participation rate | 39.6% | 63.6%-24.0pp | 73.8%-34.2pp | 68.1%-28.5pp |
| Annual return | 18.32% | 37.53%-19.2pp | 292.57%-274.3pp | 41.64%-23.3pp |
| Employer contribution / active EE | $359 | $2,047-82.5% | $2,649-86.5% | $2,551-85.9% |
| Participant deferral / active EE | $1,819 | $2,914-37.6% | $4,123-55.9% | $4,139-56.1% |
| Admin fee / account holder | $34,409 | $4,643+641.0% | $5,150+568.2% | $7,234+375.6% |