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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 | $108,548 | $54,380+99.6% | $68,509+58.4% | $59,633+82.0% |
| Participation rate | 68.0% | 70.2%-2.2pp | 74.7%-6.7pp | 68.7%-0.7pp |
| Annual return | -2.23% | 2.83%-5.1pp | 8.27%-10.5pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $1,070 | $1,539-30.5% | $2,278-53.0% | $2,203-51.4% |
| Participant deferral / active EE | $2,375 | $2,643-10.2% | $3,382-29.8% | $3,192-25.6% |
| Admin fee / account holder | $8,550 | $3,885+120.0% | $5,275+62.1% | $4,297+99.0% |