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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 | $90,510 | $127,386-28.9% | $115,037-21.3% | $125,388-27.8% |
| Participation rate | 30.8% | 84.2%-53.4pp | 81.4%-50.6pp | 83.2%-52.4pp |
| Annual return | -3.14% | 31.28%-34.4pp | 26.14%-29.3pp | 282.24%-285.4pp |
| Employer contribution / active EE | $2,275 | $5,166-56.0% | $4,608-50.6% | $4,866-53.2% |
| Participant deferral / active EE | $5,423 | $6,423-15.6% | $6,026-10.0% | $5,352+1.3% |
| Admin fee / account holder | $365 | $9,516-96.2% | $8,175-95.5% | $9,541-96.2% |