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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 | $74,816 | $117,829-36.5% | $102,423-27.0% | $145,877-48.7% |
| Participation rate | 47.1% | 78.6%-31.6pp | 76.5%-29.4pp | 80.3%-33.2pp |
| Annual return | 42.89% | 31.83%+11.1pp | 29.42%+13.5pp | 551.28%-508.4pp |
| Employer contribution / active EE | $2,735 | $3,615-24.3% | $3,023-9.5% | $4,663-41.3% |
| Participant deferral / active EE | $6,454 | $5,732+12.6% | $5,054+27.7% | $6,691-3.5% |
| Admin fee / account holder | $73,016 | $13,335+447.5% | $9,455+672.3% | $13,402+444.8% |