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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 | $113,259 | $131,835-14.1% | $108,582+4.3% | $273,970-58.7% |
| Participation rate | 57.1% | 83.5%-26.3pp | 79.6%-22.4pp | 83.0%-25.9pp |
| Annual return | 7.02% | -91.57%+98.6pp | -51.70%+58.7pp | 41.46%-34.4pp |
| Employer contribution / active EE | $1,640 | $4,913-66.6% | $3,758-56.4% | $4,869-66.3% |
| Participant deferral / active EE | $2,671 | $5,127-47.9% | $4,311-38.0% | $5,287-49.5% |
| Admin fee / account holder | $3,753 | $10,253-63.4% | $7,645-50.9% | $10,132-63.0% |