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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 | $66,011 | $57,352+15.1% | $83,830-21.3% | $64,173+2.9% |
| Participation rate | 55.9% | 68.6%-12.7pp | 76.1%-20.2pp | 69.6%-13.6pp |
| Annual return | -0.44% | 11.38%-11.8pp | 850.97%-851.4pp | 7.63%-8.1pp |
| Employer contribution / active EE | $1,996 | $2,546-21.6% | $3,631-45.0% | $2,381-16.1% |
| Participant deferral / active EE | $3,873 | $2,993+29.4% | $4,082-5.1% | $3,470+11.6% |
| Admin fee / account holder | $19,292 | $4,046+376.8% | $5,479+252.1% | $4,887+294.7% |