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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 | $103,393 | $91,536+13.0% | $130,062-20.5% | $75,177+37.5% |
| Participation rate | 8.8% | 71.5%-62.7pp | 78.5%-69.7pp | 67.2%-58.4pp |
| Annual return | 20.07% | -631.62%+651.7pp | -137.37%+157.4pp | 160.75%-140.7pp |
| Employer contribution / active EE | $2,658 | $2,845-6.6% | $4,322-38.5% | $2,671-0.5% |
| Participant deferral / active EE | $4,077 | $4,343-6.1% | $5,821-30.0% | $4,126-1.2% |
| Admin fee / account holder | $1,323 | $6,780-80.5% | $10,601-87.5% | $5,651-76.6% |