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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 | $75,792 | $58,258+30.1% | $81,820-7.4% | $80,925-6.3% |
| Participation rate | 40.9% | 63.5%-22.6pp | 72.4%-31.5pp | 67.7%-26.7pp |
| Annual return | 18.93% | 41.76%-22.8pp | 777.93%-759.0pp | 35.65%-16.7pp |
| Employer contribution / active EE | $1,440 | $2,345-38.6% | $2,915-50.6% | $2,756-47.7% |
| Participant deferral / active EE | $2,004 | $3,284-39.0% | $4,323-53.6% | $4,299-53.4% |
| Admin fee / account holder | $50,137 | $4,976+907.5% | $7,391+578.4% | $6,940+622.4% |