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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 | $167,444 | $32,117+421.4% | $71,089+135.5% | $64,173+160.9% |
| Participation rate | 51.7% | 42.7%+9.0pp | 54.6%-2.9pp | 69.6%-17.8pp |
| Annual return | -4.96% | -5.57%+0.6pp | 650.65%-655.6pp | 7.63%-12.6pp |
| Employer contribution / active EE | $1,353 | $712+89.9% | $1,088+24.4% | $2,381-43.2% |
| Participant deferral / active EE | $4,491 | $1,263+255.6% | $1,873+139.8% | $3,470+29.4% |
| Admin fee / account holder | $425 | $2,759-84.6% | $3,082-86.2% | $4,887-91.3% |