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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 | $88,463 | $57,352+54.2% | $83,831+5.5% | $64,173+37.9% |
| Participation rate | 42.6% | 68.6%-26.1pp | 76.1%-33.6pp | 69.6%-27.0pp |
| Annual return | -7.38% | 11.38%-18.8pp | 850.99%-858.4pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,796 | $2,546-29.5% | $3,631-50.5% | $2,381-24.6% |
| Participant deferral / active EE | $4,302 | $2,993+43.7% | $4,082+5.4% | $3,470+24.0% |
| Admin fee / account holder | $7,274 | $4,046+79.8% | $5,479+32.8% | $4,887+48.8% |