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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 | $94,616 | $95,915-1.4% | $79,580+18.9% | $134,532-29.7% |
| Participation rate | 59.1% | 75.0%-16.0pp | 69.5%-10.4pp | 81.2%-22.1pp |
| Annual return | -15.67% | -2.71%-13.0pp | 0.15%-15.8pp | 418.27%-433.9pp |
| Employer contribution / active EE | $1,599 | $3,129-48.9% | $2,413-33.7% | $4,741-66.3% |
| Participant deferral / active EE | $4,276 | $4,693-8.9% | $3,985+7.3% | $6,401-33.2% |
| Admin fee / account holder | $1,127 | $9,132-87.7% | $6,835-83.5% | $11,429-90.1% |