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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 | $154,225 | $211,946-27.2% | $169,452-9.0% | $135,379+13.9% |
| Participation rate | 62.5% | 82.6%-20.1pp | 77.8%-15.3pp | 82.6%-20.1pp |
| Annual return | -9.08% | 3.26%-12.3pp | 1.83%-10.9pp | 519.79%-528.9pp |
| Employer contribution / active EE | $2,130 | $5,117-58.4% | $4,157-48.8% | $4,779-55.4% |
| Participant deferral / active EE | $5,164 | $6,075-15.0% | $5,277-2.1% | $5,609-7.9% |
| Admin fee / account holder | $1,115 | $11,472-90.3% | $9,110-87.8% | $10,828-89.7% |