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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 | $108,329 | $57,352+88.9% | $83,831+29.2% | $64,173+68.8% |
| Participation rate | 49.5% | 68.6%-19.2pp | 76.1%-26.7pp | 69.6%-20.1pp |
| Annual return | -4.23% | 11.38%-15.6pp | 850.99%-855.2pp | 7.63%-11.9pp |
| Employer contribution / active EE | $1,239 | $2,546-51.3% | $3,631-65.9% | $2,381-48.0% |
| Participant deferral / active EE | $5,441 | $2,993+81.8% | $4,082+33.3% | $3,470+56.8% |
| Admin fee / account holder | $923 | $4,046-77.2% | $5,479-83.2% | $4,887-81.1% |