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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 | $100,831 | $85,790+17.5% | $67,313+49.8% | $135,380-25.5% |
| Participation rate | 60.0% | 76.5%-16.5pp | 69.1%-9.1pp | 82.6%-22.6pp |
| Annual return | -4.28% | -0.54%-3.7pp | -4.08%-0.2pp | 519.81%-524.1pp |
| Employer contribution / active EE | $2,200 | $3,487-36.9% | $2,566-14.3% | $4,779-54.0% |
| Participant deferral / active EE | $4,900 | $4,651+5.4% | $3,568+37.3% | $5,609-12.6% |
| Admin fee / account holder | $27,146 | $6,392+324.7% | $4,507+502.3% | $10,828+150.7% |