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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 | $124,851 | $30,732+306.3% | $59,496+109.8% | $59,633+109.4% |
| Participation rate | 40.6% | 43.2%-2.6pp | 54.6%-13.9pp | 68.7%-28.0pp |
| Annual return | -2.32% | 4.47%-6.8pp | 182.05%-184.4pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $1,627 | $631+158.0% | $1,153+41.1% | $2,203-26.1% |
| Participant deferral / active EE | $834 | $1,183-29.5% | $1,829-54.4% | $3,192-73.9% |
| Admin fee / account holder | $7,268 | $2,136+240.2% | $2,232+225.6% | $4,297+69.1% |