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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 | $198,689 | $95,915+107.2% | $79,580+149.7% | $134,532+47.7% |
| Participation rate | 40.0% | 75.0%-35.0pp | 69.5%-29.5pp | 81.2%-41.2pp |
| Annual return | -16.20% | -2.71%-13.5pp | 0.15%-16.4pp | 418.27%-434.5pp |
| Employer contribution / active EE | $2,765 | $3,129-11.6% | $2,413+14.6% | $4,741-41.7% |
| Participant deferral / active EE | $7,175 | $4,693+52.9% | $3,985+80.0% | $6,401+12.1% |
| Admin fee / account holder | $2,422 | $9,132-73.5% | $6,835-64.6% | $11,429-78.8% |