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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 | $131,641 | $95,188+38.3% | $76,518+72.0% | $135,380-2.8% |
| Participation rate | 54.5% | 74.4%-19.8pp | 68.0%-13.5pp | 82.6%-28.1pp |
| Annual return | -8.86% | 4.85%-13.7pp | -0.27%-8.6pp | 519.81%-528.7pp |
| Employer contribution / active EE | $3,326 | $3,303+0.7% | $2,647+25.6% | $4,779-30.4% |
| Participant deferral / active EE | $9,373 | $4,640+102.0% | $3,836+144.4% | $5,609+67.1% |
| Admin fee / account holder | $12,820 | $6,249+105.2% | $4,849+164.4% | $10,828+18.4% |