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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 | $153,516 | $54,355+182.4% | $82,744+85.5% | $68,486+124.2% |
| Participation rate | 37.0% | 63.9%-26.9pp | 72.6%-35.5pp | 67.9%-30.9pp |
| Annual return | -16.69% | -13.67%-3.0pp | 702.22%-718.9pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,381 | $2,219-37.8% | $3,008-54.1% | $2,597-46.8% |
| Participant deferral / active EE | $3,365 | $3,246+3.6% | $4,395-23.4% | $4,028-16.5% |
| Admin fee / account holder | $371 | $4,397-91.6% | $5,325-93.0% | $5,404-93.1% |