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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 | $99,343 | $127,387-22.0% | $115,038-13.6% | $125,389-20.8% |
| Participation rate | 57.1% | 84.2%-27.0pp | 81.4%-24.2pp | 83.2%-26.0pp |
| Annual return | -2.89% | 31.28%-34.2pp | 26.14%-29.0pp | 282.24%-285.1pp |
| Employer contribution / active EE | $1,830 | $5,166-64.6% | $4,608-60.3% | $4,866-62.4% |
| Participant deferral / active EE | $5,781 | $6,423-10.0% | $6,026-4.1% | $5,352+8.0% |
| Admin fee / account holder | $10,290 | $9,516+8.1% | $8,175+25.9% | $9,541+7.9% |