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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 | $146,390 | $95,917+52.6% | $79,583+83.9% | $134,545+8.8% |
| Participation rate | 43.8% | 75.0%-31.3pp | 69.5%-25.7pp | 81.2%-37.5pp |
| Annual return | -14.44% | -2.70%-11.7pp | 0.16%-14.6pp | 418.37%-432.8pp |
| Employer contribution / active EE | $1,451 | $3,129-53.6% | $2,414-39.9% | $4,742-69.4% |
| Participant deferral / active EE | $6,236 | $4,694+32.8% | $3,986+56.4% | $6,401-2.6% |
| Admin fee / account holder | $2,062 | $9,132-77.4% | $6,835-69.8% | $11,431-82.0% |