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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 | $157,905 | $45,152+249.7% | $73,836+113.9% | $59,633+164.8% |
| Participation rate | 45.2% | 64.0%-18.8pp | 73.4%-28.2pp | 68.7%-23.4pp |
| Annual return | -0.93% | 27.40%-28.3pp | 2268.06%-2269.0pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $1,235 | $1,901-35.1% | $2,787-55.7% | $2,203-44.0% |
| Participant deferral / active EE | $3,698 | $2,573+43.7% | $3,583+3.2% | $3,192+15.9% |
| Admin fee / account holder | $11,032 | $3,515+213.9% | $4,882+126.0% | $4,297+156.7% |