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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 | $92,756 | $95,915-3.3% | $79,580+16.6% | $134,532-31.1% |
| Participation rate | 27.3% | 75.0%-47.8pp | 69.5%-42.2pp | 81.2%-54.0pp |
| Annual return | -13.39% | -2.71%-10.7pp | 0.15%-13.5pp | 418.27%-431.7pp |
| Employer contribution / active EE | $3,638 | $3,129+16.3% | $2,413+50.7% | $4,741-23.3% |
| Participant deferral / active EE | $9,303 | $4,693+98.2% | $3,985+133.4% | $6,401+45.3% |
| Admin fee / account holder | $22,192 | $9,132+143.0% | $6,835+224.7% | $11,429+94.2% |