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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 | $94,282 | $78,682+19.8% | $109,188-13.7% | $85,851+9.8% |
| Participation rate | 53.4% | 68.3%-14.9pp | 75.9%-22.5pp | 69.3%-15.9pp |
| Annual return | 12.21% | 25.09%-12.9pp | 25.76%-13.5pp | 318.63%-306.4pp |
| Employer contribution / active EE | $1,522 | $2,734-44.3% | $3,723-59.1% | $2,565-40.7% |
| Participant deferral / active EE | $2,606 | $3,468-24.8% | $4,654-44.0% | $3,952-34.1% |
| Admin fee / account holder | $35,370 | $5,470+546.7% | $6,755+423.6% | $6,261+464.9% |