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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 | $96,701 | $69,977+38.2% | $108,582-10.9% | $62,881+53.8% |
| Participation rate | 60.0% | 72.9%-12.9pp | 79.6%-19.6pp | 69.3%-9.3pp |
| Annual return | 11.09% | 10.73%+0.4pp | -51.70%+62.8pp | 20.14%-9.1pp |
| Employer contribution / active EE | $1,095 | $2,135-48.7% | $3,758-70.9% | $2,281-52.0% |
| Participant deferral / active EE | $2,116 | $3,165-33.1% | $4,311-50.9% | $3,203-33.9% |
| Admin fee / account holder | $23,034 | $5,076+353.7% | $7,645+201.3% | $4,296+436.2% |