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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 | $98,130 | $93,098+5.4% | $77,081+27.3% | $134,509-27.0% |
| Participation rate | 47.1% | 74.5%-27.4pp | 67.9%-20.9pp | 81.2%-34.2pp |
| Annual return | -20.85% | 62.63%-83.5pp | 42.33%-63.2pp | 418.13%-439.0pp |
| Employer contribution / active EE | $3,158 | $3,419-7.6% | $2,813+12.2% | $4,741-33.4% |
| Participant deferral / active EE | $7,622 | $5,239+45.5% | $4,428+72.1% | $6,400+19.1% |
| Admin fee / account holder | $330 | $6,945-95.2% | $5,427-93.9% | $11,427-97.1% |