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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 | $101,112 | $45,566+121.9% | $64,105+57.7% | $59,633+69.6% |
| Participation rate | 55.6% | 60.2%-4.6pp | 68.2%-12.6pp | 68.7%-13.1pp |
| Annual return | -2.82% | 4.95%-7.8pp | 791.24%-794.1pp | 2041.45%-2044.3pp |
| Employer contribution / active EE | $856 | $934-8.3% | $1,820-52.9% | $2,203-61.1% |
| Participant deferral / active EE | $1,699 | $2,057-17.4% | $2,822-39.8% | $3,192-46.8% |
| Admin fee / account holder | $3,334 | $3,268+2.0% | $4,499-25.9% | $4,297-22.4% |