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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 | $156,245 | $134,001+16.6% | $112,258+39.2% | $134,509+16.2% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -16.56% | 47.15%-63.7pp | 27.47%-44.0pp | 418.13%-434.7pp |
| Employer contribution / active EE | $1,974 | $4,039-51.1% | $3,636-45.7% | $4,741-58.4% |
| Participant deferral / active EE | $4,793 | $5,291-9.4% | $4,728+1.4% | $6,400-25.1% |
| Admin fee / account holder | $2,104 | $7,491-71.9% | $6,411-67.2% | $11,427-81.6% |