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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 | $113,340 | $49,177+130.5% | $79,467+42.6% | $64,173+76.6% |
| Participation rate | 58.6% | 65.0%-6.4pp | 73.3%-14.7pp | 69.6%-10.9pp |
| Annual return | -7.32% | -1.16%-6.2pp | 718.30%-725.6pp | 7.63%-15.0pp |
| Employer contribution / active EE | $3,080 | $2,076+48.3% | $2,800+10.0% | $2,381+29.4% |
| Participant deferral / active EE | $3,129 | $2,821+10.9% | $3,704-15.5% | $3,470-9.8% |
| Admin fee / account holder | $1,399 | $3,839-63.6% | $5,104-72.6% | $4,887-71.4% |