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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 | $189,072 | $88,603+113.4% | $69,890+170.5% | $134,545+40.5% |
| Participation rate | 57.1% | 74.9%-17.8pp | 70.5%-13.3pp | 81.2%-24.1pp |
| Annual return | -17.94% | 442.93%-460.9pp | 190.84%-208.8pp | 418.37%-436.3pp |
| Employer contribution / active EE | $1,897 | $3,236-41.4% | $2,560-25.9% | $4,742-60.0% |
| Participant deferral / active EE | $8,495 | $4,771+78.1% | $3,848+120.7% | $6,401+32.7% |
| Admin fee / account holder | $806 | $10,443-92.3% | $6,267-87.1% | $11,431-92.9% |