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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 | $220,607 | $82,674+166.8% | $125,381+75.9% | $68,486+222.1% |
| Participation rate | 51.3% | 75.1%-23.8pp | 82.4%-31.1pp | 67.9%-16.6pp |
| Annual return | -17.29% | -5.97%-11.3pp | 572.31%-589.6pp | -7.85%-9.4pp |
| Employer contribution / active EE | $2,240 | $3,382-33.8% | $4,815-53.5% | $2,597-13.7% |
| Participant deferral / active EE | $4,275 | $6,111-30.0% | $7,448-42.6% | $4,028+6.2% |
| Admin fee / account holder | $12,176 | $6,277+94.0% | $10,007+21.7% | $5,404+125.3% |