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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 | $106,084 | $102,429+3.6% | $147,096-27.9% | $80,925+31.1% |
| Participation rate | 52.0% | 75.9%-23.9pp | 82.2%-30.2pp | 67.7%-15.7pp |
| Annual return | 12.39% | 135.02%-122.6pp | 419.75%-407.4pp | 35.65%-23.3pp |
| Employer contribution / active EE | $2,456 | $3,716-33.9% | $4,936-50.2% | $2,756-10.9% |
| Participant deferral / active EE | $6,169 | $6,649-7.2% | $8,071-23.6% | $4,299+43.5% |
| Admin fee / account holder | $31,256 | $7,957+292.8% | $13,005+140.3% | $6,940+350.4% |