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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 | $77,672 | $49,177+57.9% | $79,466-2.3% | $64,173+21.0% |
| Participation rate | 40.7% | 65.0%-24.3pp | 73.3%-32.6pp | 69.6%-28.9pp |
| Annual return | -2.13% | -1.16%-1.0pp | 718.28%-720.4pp | 7.63%-9.8pp |
| Employer contribution / active EE | $1,842 | $2,076-11.3% | $2,800-34.2% | $2,381-22.6% |
| Participant deferral / active EE | $4,087 | $2,821+44.8% | $3,704+10.3% | $3,470+17.8% |
| Admin fee / account holder | $14,666 | $3,839+282.0% | $5,104+187.3% | $4,887+200.1% |