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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 | $73,750 | $48,053+53.5% | $84,623-12.8% | $72,983+1.1% |
| Participation rate | 40.6% | 57.6%-17.0pp | 68.2%-27.6pp | 69.5%-28.9pp |
| Annual return | 20.13% | 37.39%-17.3pp | 258.77%-238.6pp | 81.01%-60.9pp |
| Employer contribution / active EE | $1,303 | $1,602-18.7% | $2,652-50.9% | $2,440-46.6% |
| Participant deferral / active EE | $2,835 | $2,681+5.8% | $3,899-27.3% | $3,608-21.4% |
| Admin fee / account holder | $14,065 | $3,395+314.2% | $4,913+186.3% | $5,124+174.5% |