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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 | $118,364 | $75,962+55.8% | $154,108-23.2% | $64,173+84.4% |
| Participation rate | 61.5% | 70.4%-8.9pp | 83.0%-21.5pp | 69.6%-8.0pp |
| Annual return | -5.99% | 30.32%-36.3pp | 735.21%-741.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,281 | $3,350-61.7% | $5,298-75.8% | $2,381-46.2% |
| Participant deferral / active EE | $4,563 | $3,175+43.7% | $5,081-10.2% | $3,470+31.5% |
| Admin fee / account holder | $1,441 | $5,589-74.2% | $13,411-89.3% | $4,887-70.5% |