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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 | $62,135 | $91,536-32.1% | $130,062-52.2% | $75,177-17.3% |
| Participation rate | 58.5% | 71.5%-13.0pp | 78.5%-20.0pp | 67.2%-8.7pp |
| Annual return | 20.80% | -631.62%+652.4pp | -137.37%+158.2pp | 160.75%-139.9pp |
| Employer contribution / active EE | $1,760 | $2,845-38.1% | $4,322-59.3% | $2,671-34.1% |
| Participant deferral / active EE | $4,388 | $4,343+1.0% | $5,821-24.6% | $4,126+6.3% |
| Admin fee / account holder | $7,646 | $6,780+12.8% | $10,601-27.9% | $5,651+35.3% |