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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 | $138,932 | $102,382+35.7% | $147,005-5.5% | $80,874+71.8% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.2%-32.2pp | 67.6%-17.6pp |
| Annual return | 20.49% | 134.89%-114.4pp | 418.76%-398.3pp | 35.62%-15.1pp |
| Employer contribution / active EE | $2,313 | $3,715-37.7% | $4,934-53.1% | $2,756-16.1% |
| Participant deferral / active EE | $3,366 | $6,646-49.4% | $8,070-58.3% | $4,297-21.7% |
| Admin fee / account holder | $48,792 | $7,942+514.3% | $13,006+275.1% | $6,935+603.5% |