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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 | $168,049 | $95,975+75.1% | $74,549+125.4% | $135,379+24.1% |
| Participation rate | 45.5% | 75.7%-30.2pp | 69.1%-23.7pp | 82.6%-37.2pp |
| Annual return | -4.25% | 56.96%-61.2pp | 32.53%-36.8pp | 519.79%-524.0pp |
| Employer contribution / active EE | $1,612 | $2,716-40.6% | $1,961-17.8% | $4,779-66.3% |
| Participant deferral / active EE | $4,651 | $3,844+21.0% | $3,108+49.6% | $5,609-17.1% |
| Admin fee / account holder | $885 | $6,522-86.4% | $5,059-82.5% | $10,828-91.8% |