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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 | $147,529 | $95,915+53.8% | $79,580+85.4% | $134,532+9.7% |
| Participation rate | 25.0% | 75.0%-50.0pp | 69.5%-44.5pp | 81.2%-56.2pp |
| Annual return | -20.05% | -2.71%-17.3pp | 0.15%-20.2pp | 418.27%-438.3pp |
| Employer contribution / active EE | $3,489 | $3,129+11.5% | $2,413+44.6% | $4,741-26.4% |
| Participant deferral / active EE | $2,113 | $4,693-55.0% | $3,985-47.0% | $6,401-67.0% |
| Admin fee / account holder | $1,013 | $9,132-88.9% | $6,835-85.2% | $11,429-91.1% |