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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 | $100,828 | $82,678+22.0% | $125,391-19.6% | $68,490+47.2% |
| Participation rate | 59.5% | 75.1%-15.6pp | 82.4%-22.9pp | 67.9%-8.4pp |
| Annual return | -12.98% | -5.97%-7.0pp | 572.41%-585.4pp | -7.85%-5.1pp |
| Employer contribution / active EE | $4,532 | $3,382+34.0% | $4,816-5.9% | $2,597+74.5% |
| Participant deferral / active EE | $5,702 | $6,111-6.7% | $7,448-23.4% | $4,028+41.6% |
| Admin fee / account holder | $20,461 | $6,277+226.0% | $10,009+104.4% | $5,403+278.7% |