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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 | $139,877 | $95,915+45.8% | $79,580+75.8% | $134,532+4.0% |
| Participation rate | 50.0% | 75.0%-25.0pp | 69.5%-19.5pp | 81.2%-31.2pp |
| Annual return | -16.26% | -2.71%-13.6pp | 0.15%-16.4pp | 418.27%-434.5pp |
| Employer contribution / active EE | $1,296 | $3,129-58.6% | $2,413-46.3% | $4,741-72.7% |
| Participant deferral / active EE | $10,704 | $4,693+128.1% | $3,985+168.6% | $6,401+67.2% |
| Admin fee / account holder | $5,712 | $9,132-37.4% | $6,835-16.4% | $11,429-50.0% |