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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 | $111,956 | $93,098+20.3% | $77,081+45.2% | $134,509-16.8% |
| Participation rate | 50.0% | 74.5%-24.5pp | 67.9%-17.9pp | 81.2%-31.2pp |
| Annual return | -17.81% | 62.63%-80.4pp | 42.33%-60.1pp | 418.13%-435.9pp |
| Employer contribution / active EE | $1,405 | $3,419-58.9% | $2,813-50.0% | $4,741-70.4% |
| Participant deferral / active EE | $3,830 | $5,239-26.9% | $4,428-13.5% | $6,400-40.2% |
| Admin fee / account holder | $2,770 | $6,945-60.1% | $5,427-49.0% | $11,427-75.8% |