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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 | $149,133 | $75,959+96.3% | $154,114-3.2% | $64,181+132.4% |
| Participation rate | 63.6% | 70.4%-6.8pp | 83.0%-19.4pp | 69.6%-5.9pp |
| Annual return | -6.28% | 30.32%-36.6pp | 735.16%-741.4pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,246 | $3,350-62.8% | $5,298-76.5% | $2,381-47.6% |
| Participant deferral / active EE | $4,414 | $3,175+39.0% | $5,081-13.1% | $3,470+27.2% |
| Admin fee / account holder | $529 | $5,589-90.5% | $13,411-96.1% | $4,887-89.2% |