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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 | $93,053 | $58,258+59.7% | $81,820+13.7% | $80,925+15.0% |
| Participation rate | 44.0% | 63.5%-19.5pp | 72.4%-28.4pp | 67.7%-23.7pp |
| Annual return | 11.57% | 41.76%-30.2pp | 777.93%-766.4pp | 35.65%-24.1pp |
| Employer contribution / active EE | $1,211 | $2,345-48.4% | $2,915-58.5% | $2,756-56.1% |
| Participant deferral / active EE | $3,879 | $3,284+18.1% | $4,323-10.3% | $4,299-9.8% |
| Admin fee / account holder | $36,330 | $4,976+630.1% | $7,391+391.6% | $6,940+423.5% |