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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 | $61,576 | $30,732+100.4% | $59,496+3.5% | $59,633+3.3% |
| Participation rate | 61.4% | 43.2%+18.2pp | 54.6%+6.8pp | 68.7%-7.3pp |
| Annual return | 9.46% | 4.47%+5.0pp | 182.05%-172.6pp | 2041.45%-2032.0pp |
| Employer contribution / active EE | $0 | $631-100.0% | $1,153-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,537 | $1,183+199.0% | $1,829+93.4% | $3,192+10.8% |
| Admin fee / account holder | $15,402 | $2,136+621.0% | $2,232+590.0% | $4,297+258.4% |