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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 | $108,717 | $114,013-4.6% | $103,693+4.8% | $155,188-29.9% |
| Participation rate | 66.7% | 75.2%-8.5pp | 72.6%-6.0pp | 80.8%-14.1pp |
| Annual return | 15.36% | 49.31%-34.0pp | 47.61%-32.3pp | 148.84%-133.5pp |
| Employer contribution / active EE | $1,635 | $3,131-47.8% | $2,920-44.0% | $4,248-61.5% |
| Participant deferral / active EE | $3,268 | $4,970-34.2% | $4,579-28.6% | $6,531-50.0% |
| Admin fee / account holder | $140,091 | $8,407+1566.4% | $7,858+1682.8% | $14,480+867.5% |