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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 | $69,062 | $58,234+18.6% | $81,783-15.6% | $80,874-14.6% |
| Participation rate | 46.2% | 63.4%-17.3pp | 72.4%-26.2pp | 67.6%-21.5pp |
| Annual return | 18.79% | 41.70%-22.9pp | 775.05%-756.3pp | 35.62%-16.8pp |
| Employer contribution / active EE | $1,392 | $2,341-40.5% | $2,913-52.2% | $2,756-49.5% |
| Participant deferral / active EE | $3,482 | $3,283+6.1% | $4,320-19.4% | $4,297-19.0% |
| Admin fee / account holder | $30,027 | $4,982+502.8% | $7,380+306.9% | $6,935+333.0% |