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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 | $105,136 | $84,518+24.4% | $67,704+55.3% | $125,389-16.2% |
| Participation rate | 50.0% | 74.8%-24.8pp | 67.5%-17.5pp | 83.2%-33.2pp |
| Annual return | -2.03% | 2.57%-4.6pp | 25.41%-27.4pp | 282.24%-284.3pp |
| Employer contribution / active EE | $1,594 | $3,292-51.6% | $2,559-37.7% | $4,866-67.2% |
| Participant deferral / active EE | $12,766 | $4,430+188.2% | $3,585+256.1% | $5,352+138.5% |
| Admin fee / account holder | $1,723 | $5,340-67.7% | $4,255-59.5% | $9,541-81.9% |