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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 | $222,742 | $142,361+56.5% | $119,608+86.2% | $134,509+65.6% |
| Participation rate | 40.0% | 82.8%-42.8pp | 79.3%-39.3pp | 81.2%-41.2pp |
| Annual return | -19.33% | -12.46%-6.9pp | -14.98%-4.3pp | 418.13%-437.5pp |
| Employer contribution / active EE | $2,595 | $5,224-50.3% | $4,232-38.7% | $4,741-45.3% |
| Participant deferral / active EE | $5,168 | $6,468-20.1% | $5,601-7.7% | $6,400-19.2% |
| Admin fee / account holder | $3,698 | $13,588-72.8% | $10,326-64.2% | $11,427-67.6% |