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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 | $202,781 | $95,188+113.0% | $76,518+165.0% | $135,379+49.8% |
| Participation rate | 50.0% | 74.4%-24.4pp | 68.0%-18.0pp | 82.6%-32.6pp |
| Annual return | -6.37% | 4.85%-11.2pp | -0.27%-6.1pp | 519.79%-526.2pp |
| Employer contribution / active EE | $1,490 | $3,303-54.9% | $2,647-43.7% | $4,779-68.8% |
| Participant deferral / active EE | $3,951 | $4,640-14.9% | $3,836+3.0% | $5,609-29.6% |
| Admin fee / account holder | $4,572 | $6,249-26.8% | $4,849-5.7% | $10,828-57.8% |