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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 | $58,311+30.0% | $81,882-7.4% | $80,959-6.4% |
| Participation rate | 40.9% | 63.5%-22.6pp | 72.4%-31.5pp | 67.7%-26.8pp |
| Annual return | 18.93% | 41.85%-22.9pp | 779.47%-760.5pp | 35.67%-16.7pp |
| Employer contribution / active EE | $1,440 | $2,347-38.6% | $2,916-50.6% | $2,757-47.8% |
| Participant deferral / active EE | $2,004 | $3,287-39.0% | $4,323-53.6% | $4,300-53.4% |
| Admin fee / account holder | $50,137 | $4,752+955.1% | $7,360+581.2% | $6,925+624.0% |