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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 | $172,951 | $129,960+33.1% | $104,299+65.8% | $134,545+28.5% |
| Participation rate | 57.1% | 79.5%-22.4pp | 73.3%-16.1pp | 81.2%-24.1pp |
| Annual return | -12.29% | 42.06%-54.3pp | 24.62%-36.9pp | 418.37%-430.7pp |
| Employer contribution / active EE | $1,746 | $4,186-58.3% | $3,373-48.2% | $4,742-63.2% |
| Participant deferral / active EE | $5,452 | $5,589-2.5% | $4,626+17.9% | $6,401-14.8% |
| Admin fee / account holder | $28,258 | $9,324+203.1% | $7,339+285.0% | $11,431+147.2% |