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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 | $168,524 | $93,124+81.0% | $77,100+118.6% | $134,545+25.3% |
| Participation rate | 50.0% | 74.5%-24.5pp | 67.9%-17.9pp | 81.2%-31.2pp |
| Annual return | -14.00% | 62.68%-76.7pp | 42.35%-56.4pp | 418.37%-432.4pp |
| Employer contribution / active EE | $1,913 | $3,421-44.1% | $2,815-32.1% | $4,742-59.7% |
| Participant deferral / active EE | $8,442 | $5,242+61.0% | $4,430+90.6% | $6,401+31.9% |
| Admin fee / account holder | $1,081 | $6,970-84.5% | $5,443-80.1% | $11,431-90.5% |