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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 | $133,983-35.2% | $112,244-22.6% | $134,493-35.4% |
| Participation rate | 35.0% | 78.6%-43.6pp | 75.1%-40.1pp | 81.2%-46.2pp |
| Annual return | -13.76% | 47.13%-60.9pp | 27.46%-41.2pp | 418.01%-431.8pp |
| Employer contribution / active EE | $1,744 | $4,039-56.8% | $3,635-52.0% | $4,740-63.2% |
| Participant deferral / active EE | $5,651 | $5,291+6.8% | $4,728+19.5% | $6,400-11.7% |
| Admin fee / account holder | $31,502 | $7,490+320.6% | $6,411+391.4% | $11,425+175.7% |