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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 | $113,649 | $100,792+12.8% | $86,691+31.1% | $134,509-15.5% |
| Participation rate | 33.3% | 78.9%-45.6pp | 76.6%-43.3pp | 81.2%-47.9pp |
| Annual return | -13.31% | 29.08%-42.4pp | 35.94%-49.3pp | 418.13%-431.4pp |
| Employer contribution / active EE | $3,769 | $3,491+8.0% | $2,837+32.9% | $4,741-20.5% |
| Participant deferral / active EE | $7,014 | $5,339+31.4% | $4,656+50.6% | $6,400+9.6% |
| Admin fee / account holder | $7,887 | $10,924-27.8% | $7,492+5.3% | $11,427-31.0% |