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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 | $182,886 | $167,353+9.3% | $143,797+27.2% | $134,545+35.9% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -16.61% | 0.48%-17.1pp | -0.04%-16.6pp | 418.37%-435.0pp |
| Employer contribution / active EE | $1,664 | $5,620-70.4% | $4,952-66.4% | $4,742-64.9% |
| Participant deferral / active EE | $12,507 | $6,447+94.0% | $5,638+121.8% | $6,401+95.4% |
| Admin fee / account holder | $5,525 | $18,096-69.5% | $14,679-62.4% | $11,431-51.7% |