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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 | $108,779 | $102,393+6.2% | $147,041-26.0% | $80,911+34.4% |
| Participation rate | 42.0% | 75.9%-33.8pp | 82.2%-40.1pp | 67.6%-25.6pp |
| Annual return | 12.22% | 134.95%-122.7pp | 419.21%-407.0pp | 35.63%-23.4pp |
| Employer contribution / active EE | $2,196 | $3,715-40.9% | $4,935-55.5% | $2,756-20.3% |
| Participant deferral / active EE | $4,183 | $6,647-37.1% | $8,071-48.2% | $4,297-2.7% |
| Admin fee / account holder | $17,621 | $7,943+121.8% | $13,006+35.5% | $6,935+154.1% |