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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 | $101,383 | $131,835-23.1% | $108,582-6.6% | $273,972-63.0% |
| Participation rate | 50.0% | 83.5%-33.5pp | 79.6%-29.6pp | 83.0%-33.0pp |
| Annual return | 3.21% | -91.57%+94.8pp | -51.70%+54.9pp | 41.46%-38.2pp |
| Employer contribution / active EE | $1,223 | $4,913-75.1% | $3,758-67.5% | $4,869-74.9% |
| Participant deferral / active EE | $3,878 | $5,127-24.4% | $4,311-10.1% | $5,287-26.7% |
| Admin fee / account holder | $4,796 | $10,253-53.2% | $7,645-37.3% | $10,133-52.7% |