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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 | $130,348 | $99,032+31.6% | $80,022+62.9% | $135,380-3.7% |
| Participation rate | 66.7% | 78.4%-11.7pp | 75.8%-9.2pp | 82.6%-16.0pp |
| Annual return | -6.86% | 15.39%-22.2pp | 11.22%-18.1pp | 519.81%-526.7pp |
| Employer contribution / active EE | $1,097 | $3,043-63.9% | $2,468-55.5% | $4,779-77.0% |
| Participant deferral / active EE | $4,990 | $4,282+16.5% | $3,686+35.4% | $5,609-11.0% |
| Admin fee / account holder | $4,848 | $10,436-53.5% | $6,521-25.7% | $10,828-55.2% |