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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 | $108,862 | $82,678+31.7% | $125,391-13.2% | $68,490+58.9% |
| Participation rate | 54.5% | 75.1%-20.5pp | 82.4%-27.8pp | 67.9%-13.4pp |
| Annual return | -16.79% | -5.97%-10.8pp | 572.41%-589.2pp | -7.85%-8.9pp |
| Employer contribution / active EE | $2,775 | $3,382-17.9% | $4,816-42.4% | $2,597+6.9% |
| Participant deferral / active EE | $5,162 | $6,111-15.5% | $7,448-30.7% | $4,028+28.2% |
| Admin fee / account holder | $2,094 | $6,277-66.6% | $10,009-79.1% | $5,403-61.2% |