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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 | $64,528 | $49,891+29.3% | $80,607-19.9% | $75,181-14.2% |
| Participation rate | 64.7% | 55.3%+9.4pp | 67.0%-2.3pp | 67.2%-2.5pp |
| Annual return | 21.19% | 34.67%-13.5pp | 936.11%-914.9pp | 160.69%-139.5pp |
| Employer contribution / active EE | $1,683 | $1,698-0.9% | $2,724-38.2% | $2,671-37.0% |
| Participant deferral / active EE | $2,044 | $2,991-31.7% | $4,448-54.0% | $4,126-50.5% |
| Admin fee / account holder | $33,434 | $3,578+834.6% | $5,379+521.5% | $5,650+491.8% |