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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 | $116,317 | $91,525+27.1% | $130,026-10.5% | $75,181+54.7% |
| Participation rate | 46.0% | 71.4%-25.4pp | 78.5%-32.5pp | 67.2%-21.2pp |
| Annual return | 15.55% | -631.40%+646.9pp | -137.26%+152.8pp | 160.69%-145.1pp |
| Employer contribution / active EE | $1,533 | $2,844-46.1% | $4,321-64.5% | $2,671-42.6% |
| Participant deferral / active EE | $4,410 | $4,342+1.6% | $5,821-24.2% | $4,126+6.9% |
| Admin fee / account holder | $9,184 | $6,778+35.5% | $10,608-13.4% | $5,650+62.6% |