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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 | $98,258 | $117,895-16.7% | $102,460-4.1% | $145,897-32.7% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 14.45% | 31.92%-17.5pp | 29.47%-15.0pp | 552.29%-537.8pp |
| Employer contribution / active EE | $1,648 | $3,619-54.5% | $3,025-45.5% | $4,663-64.7% |
| Participant deferral / active EE | $3,338 | $5,736-41.8% | $5,056-34.0% | $6,689-50.1% |
| Admin fee / account holder | $32,327 | $13,353+142.1% | $9,460+241.7% | $13,390+141.4% |