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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 | $86,217 | $77,816+10.8% | $123,549-30.2% | $64,181+34.3% |
| Participation rate | 54.3% | 74.7%-20.4pp | 82.3%-27.9pp | 69.6%-15.2pp |
| Annual return | -4.95% | 12.49%-17.4pp | 119.20%-124.2pp | 7.63%-12.6pp |
| Employer contribution / active EE | $1,931 | $3,014-35.9% | $4,628-58.3% | $2,381-18.9% |
| Participant deferral / active EE | $5,597 | $5,240+6.8% | $6,426-12.9% | $3,470+61.3% |
| Admin fee / account holder | $33,699 | $5,519+510.6% | $9,284+263.0% | $4,887+589.5% |