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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 | $116,956 | $72,404+61.5% | $110,243+6.1% | $64,173+82.3% |
| Participation rate | 43.8% | 73.3%-29.6pp | 79.8%-36.1pp | 69.6%-25.8pp |
| Annual return | -1.96% | -6.29%+4.3pp | 314.76%-316.7pp | 7.63%-9.6pp |
| Employer contribution / active EE | $1,707 | $2,282-25.2% | $3,827-55.4% | $2,381-28.3% |
| Participant deferral / active EE | $3,391 | $3,469-2.3% | $4,672-27.4% | $3,470-2.3% |
| Admin fee / account holder | $3,670 | $5,664-35.2% | $8,548-57.1% | $4,887-24.9% |