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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 | $178,288 | $131,835+35.2% | $108,582+64.2% | $273,972-34.9% |
| Participation rate | 47.1% | 83.5%-36.4pp | 79.6%-32.5pp | 83.0%-36.0pp |
| Annual return | 6.09% | -91.57%+97.7pp | -51.70%+57.8pp | 41.46%-35.4pp |
| Employer contribution / active EE | $2,246 | $4,913-54.3% | $3,758-40.2% | $4,869-53.9% |
| Participant deferral / active EE | $4,076 | $5,127-20.5% | $4,311-5.5% | $5,287-22.9% |
| Admin fee / account holder | $9,231 | $10,253-10.0% | $7,645+20.7% | $10,133-8.9% |