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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 | $133,385 | $30,732+334.0% | $59,496+124.2% | $59,633+123.7% |
| Participation rate | 40.6% | 43.2%-2.6pp | 54.6%-13.9pp | 68.7%-28.0pp |
| Annual return | -1.24% | 4.47%-5.7pp | 182.05%-183.3pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $740 | $631+17.3% | $1,153-35.8% | $2,203-66.4% |
| Participant deferral / active EE | $847 | $1,183-28.4% | $1,829-53.7% | $3,192-73.5% |
| Admin fee / account holder | $1,899 | $2,136-11.1% | $2,232-14.9% | $4,297-55.8% |