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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 | $117,954 | $81,870+44.1% | $119,608-1.4% | $68,495+72.2% |
| Participation rate | 35.3% | 71.9%-36.6pp | 79.3%-44.0pp | 67.9%-32.6pp |
| Annual return | 481.06% | -23.82%+504.9pp | -14.98%+496.0pp | -7.84%+488.9pp |
| Employer contribution / active EE | $1,584 | $2,692-41.1% | $4,232-62.6% | $2,596-39.0% |
| Participant deferral / active EE | $2,683 | $4,148-35.3% | $5,601-52.1% | $4,028-33.4% |
| Admin fee / account holder | $10,156 | $6,583+54.3% | $10,326-1.6% | $5,403+88.0% |