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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 | $134,229 | $57,350+134.1% | $83,850+60.1% | $64,181+109.1% |
| Participation rate | 12.8% | 68.6%-55.8pp | 76.1%-63.3pp | 69.6%-56.7pp |
| Annual return | -5.85% | 11.38%-17.2pp | 850.92%-856.8pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,884 | $2,545-26.0% | $3,631-48.1% | $2,381-20.8% |
| Participant deferral / active EE | $1,927 | $2,993-35.6% | $4,082-52.8% | $3,470-44.5% |
| Admin fee / account holder | $8,387 | $4,046+107.3% | $5,478+53.1% | $4,887+71.6% |