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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 | $104,726 | $95,188+10.0% | $76,518+36.9% | $135,380-22.6% |
| Participation rate | 63.6% | 74.4%-10.8pp | 68.0%-4.4pp | 82.6%-19.0pp |
| Annual return | -6.15% | 4.85%-11.0pp | -0.27%-5.9pp | 519.81%-526.0pp |
| Employer contribution / active EE | $0 | $3,303-100.0% | $2,647-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $6,167 | $4,640+32.9% | $3,836+60.8% | $5,609+9.9% |
| Admin fee / account holder | $12,428 | $6,249+98.9% | $4,849+156.3% | $10,828+14.8% |