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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 | $71,563 | $154,193-53.6% | $130,045-45.0% | $139,466-48.7% |
| Participation rate | 28.6% | 82.0%-53.4pp | 78.5%-49.9pp | 80.3%-51.8pp |
| Annual return | 11.77% | 32.51%-20.7pp | -137.30%+149.1pp | 373.66%-361.9pp |
| Employer contribution / active EE | $3,361 | $5,292-36.5% | $4,321-22.2% | $4,754-29.3% |
| Participant deferral / active EE | $5,879 | $6,709-12.4% | $5,820+1.0% | $6,712-12.4% |
| Admin fee / account holder | $41,685 | $13,989+198.0% | $10,600+293.2% | $11,409+265.4% |