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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 | $86,830 | $133,998-35.2% | $112,263-22.7% | $134,545-35.5% |
| Participation rate | 35.0% | 78.6%-43.6pp | 75.1%-40.1pp | 81.2%-46.2pp |
| Annual return | -13.76% | 47.17%-60.9pp | 27.49%-41.2pp | 418.37%-432.1pp |
| Employer contribution / active EE | $1,744 | $4,040-56.8% | $3,636-52.0% | $4,742-63.2% |
| Participant deferral / active EE | $5,651 | $5,292+6.8% | $4,729+19.5% | $6,401-11.7% |
| Admin fee / account holder | $31,502 | $7,493+320.4% | $6,410+391.4% | $11,431+175.6% |