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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 | $100,325 | $97,125+3.3% | $86,233+16.3% | $137,256-26.9% |
| Participation rate | 29.4% | 74.2%-44.8pp | 69.0%-39.6pp | 80.0%-50.5pp |
| Annual return | 15.64% | 74.19%-58.5pp | 61.39%-45.7pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,096 | $2,841-61.4% | $2,504-56.2% | $4,156-73.6% |
| Participant deferral / active EE | $4,490 | $5,180-13.3% | $4,559-1.5% | $6,407-29.9% |
| Admin fee / account holder | $36,681 | $9,725+277.2% | $8,342+339.7% | $12,270+198.9% |