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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 | $95,270 | $78,690+21.1% | $161,489-41.0% | $87,485+8.9% |
| Participation rate | 29.4% | 67.5%-38.1pp | 78.7%-49.3pp | 68.9%-39.5pp |
| Annual return | 20.26% | 32.74%-12.5pp | 89.72%-69.5pp | 26.06%-5.8pp |
| Employer contribution / active EE | $1,258 | $2,588-51.4% | $4,268-70.5% | $2,596-51.5% |
| Participant deferral / active EE | $4,003 | $3,311+20.9% | $5,630-28.9% | $4,274-6.3% |
| Admin fee / account holder | $61,925 | $6,724+821.0% | $16,006+286.9% | $7,775+696.5% |