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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 | $75,030 | $59,402+26.3% | $93,654-19.9% | $74,546+0.6% |
| Participation rate | 28.6% | 59.7%-31.1pp | 68.7%-40.1pp | 67.2%-38.6pp |
| Annual return | 16.78% | 81.86%-65.1pp | 133.34%-116.6pp | 1366.03%-1349.3pp |
| Employer contribution / active EE | $1,768 | $1,265+39.8% | $2,421-26.9% | $2,624-32.6% |
| Participant deferral / active EE | $3,263 | $3,049+7.0% | $4,413-26.1% | $4,347-25.0% |
| Admin fee / account holder | $14,358 | $3,023+375.0% | $8,282+73.4% | $1,944+638.8% |