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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 | $86,612 | $95,188-9.0% | $76,518+13.2% | $135,380-36.0% |
| Participation rate | 58.3% | 74.4%-16.1pp | 68.0%-9.7pp | 82.6%-24.3pp |
| Annual return | -4.44% | 4.85%-9.3pp | -0.27%-4.2pp | 519.81%-524.2pp |
| Employer contribution / active EE | $4,219 | $3,303+27.7% | $2,647+59.4% | $4,779-11.7% |
| Participant deferral / active EE | $7,131 | $4,640+53.7% | $3,836+85.9% | $5,609+27.1% |
| Admin fee / account holder | $27,691 | $6,249+343.1% | $4,849+471.1% | $10,828+155.7% |