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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 | $130,126 | $82,678+57.4% | $125,391+3.8% | $68,490+90.0% |
| Participation rate | 55.2% | 75.1%-19.9pp | 82.4%-27.2pp | 67.9%-12.7pp |
| Annual return | -14.50% | -5.97%-8.5pp | 572.41%-586.9pp | -7.85%-6.6pp |
| Employer contribution / active EE | $1,536 | $3,382-54.6% | $4,816-68.1% | $2,597-40.8% |
| Participant deferral / active EE | $4,575 | $6,111-25.1% | $7,448-38.6% | $4,028+13.6% |
| Admin fee / account holder | $3,305 | $6,277-47.4% | $10,009-67.0% | $5,403-38.8% |