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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 | $97,493 | $82,674+17.9% | $125,363-22.2% | $68,495+42.3% |
| Participation rate | 56.9% | 75.0%-18.2pp | 82.4%-25.5pp | 67.9%-11.0pp |
| Annual return | -16.54% | -5.97%-10.6pp | 572.15%-588.7pp | -7.84%-8.7pp |
| Employer contribution / active EE | $2,982 | $3,382-11.8% | $4,815-38.1% | $2,596+14.8% |
| Participant deferral / active EE | $5,252 | $6,111-14.1% | $7,447-29.5% | $4,028+30.4% |
| Admin fee / account holder | $4,492 | $6,276-28.4% | $10,005-55.1% | $5,403-16.9% |