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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 | $110,149 | $95,917+14.8% | $79,583+38.4% | $134,545-18.1% |
| Participation rate | 46.2% | 75.0%-28.9pp | 69.5%-23.3pp | 81.2%-35.1pp |
| Annual return | -19.84% | -2.70%-17.1pp | 0.16%-20.0pp | 418.37%-438.2pp |
| Employer contribution / active EE | $1,206 | $3,129-61.5% | $2,414-50.0% | $4,742-74.6% |
| Participant deferral / active EE | $4,031 | $4,694-14.1% | $3,986+1.1% | $6,401-37.0% |
| Admin fee / account holder | $561 | $9,132-93.9% | $6,835-91.8% | $11,431-95.1% |