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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 | $66,227 | $52,353+26.5% | $120,225-44.9% | $82,448-19.7% |
| Participation rate | 17.9% | 58.3%-40.5pp | 69.6%-51.7pp | 68.1%-50.2pp |
| Annual return | 15.17% | 61.85%-46.7pp | 439.23%-424.1pp | 41.64%-26.5pp |
| Employer contribution / active EE | $954 | $1,510-36.8% | $3,475-72.6% | $2,551-62.6% |
| Participant deferral / active EE | $1,494 | $2,627-43.1% | $3,999-62.6% | $4,139-63.9% |
| Admin fee / account holder | $11,552 | $4,363+164.8% | $5,696+102.8% | $7,234+59.7% |