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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 | $97,324 | $63,953+52.2% | $54,726+77.8% | $135,382-28.1% |
| Participation rate | 66.7% | 84.9%-18.2pp | 79.1%-12.5pp | 82.6%-16.0pp |
| Annual return | -7.34% | -5.77%-1.6pp | -4.56%-2.8pp | 519.77%-527.1pp |
| Employer contribution / active EE | $4,344 | $4,256+2.1% | $3,449+25.9% | $4,779-9.1% |
| Participant deferral / active EE | $5,402 | $4,810+12.3% | $3,953+36.7% | $5,609-3.7% |
| Admin fee / account holder | $474 | $4,567-89.6% | $3,818-87.6% | $10,829-95.6% |