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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 | $99,423 | $158,852-37.4% | $121,220-18.0% | $135,380-26.6% |
| Participation rate | 55.6% | 79.3%-23.8pp | 71.8%-16.2pp | 82.6%-27.1pp |
| Annual return | -5.61% | -0.64%-5.0pp | 16.94%-22.5pp | 519.81%-525.4pp |
| Employer contribution / active EE | $2,658 | $5,666-53.1% | $4,023-33.9% | $4,779-44.4% |
| Participant deferral / active EE | $7,538 | $4,006+88.2% | $3,345+125.3% | $5,609+34.4% |
| Admin fee / account holder | $8,149 | $6,515+25.1% | $5,021+62.3% | $10,828-24.7% |