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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 | $80,392 | $95,917-16.2% | $79,583+1.0% | $134,545-40.2% |
| Participation rate | 27.3% | 75.0%-47.8pp | 69.5%-42.2pp | 81.2%-54.0pp |
| Annual return | 111.94% | -2.70%+114.6pp | 0.16%+111.8pp | 418.37%-306.4pp |
| Employer contribution / active EE | $600 | $3,129-80.8% | $2,414-75.1% | $4,742-87.3% |
| Participant deferral / active EE | $3,145 | $4,694-33.0% | $3,986-21.1% | $6,401-50.9% |
| Admin fee / account holder | $712 | $9,132-92.2% | $6,835-89.6% | $11,431-93.8% |