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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 | $176,733 | $82,674+113.8% | $125,381+41.0% | $68,486+158.1% |
| Participation rate | 67.4% | 75.1%-7.7pp | 82.4%-15.0pp | 67.9%-0.5pp |
| Annual return | -17.70% | -5.97%-11.7pp | 572.31%-590.0pp | -7.85%-9.8pp |
| Employer contribution / active EE | $990 | $3,382-70.7% | $4,815-79.4% | $2,597-61.9% |
| Participant deferral / active EE | $9,118 | $6,111+49.2% | $7,448+22.4% | $4,028+126.4% |
| Admin fee / account holder | $3,576 | $6,277-43.0% | $10,007-64.3% | $5,404-33.8% |