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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 | $91,234 | $57,352+59.1% | $83,830+8.8% | $64,173+42.2% |
| Participation rate | 23.7% | 68.6%-44.9pp | 76.1%-52.4pp | 69.6%-45.8pp |
| Annual return | -8.27% | 11.38%-19.7pp | 850.97%-859.2pp | 7.63%-15.9pp |
| Employer contribution / active EE | $1,271 | $2,546-50.1% | $3,631-65.0% | $2,381-46.6% |
| Participant deferral / active EE | $2,335 | $2,993-22.0% | $4,082-42.8% | $3,470-32.7% |
| Admin fee / account holder | $2,240 | $4,046-44.6% | $5,479-59.1% | $4,887-54.2% |