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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 | $168,272 | $100,805+66.9% | $86,698+94.1% | $134,532+25.1% |
| Participation rate | 58.8% | 79.0%-20.1pp | 76.6%-17.8pp | 81.2%-22.4pp |
| Annual return | -8.64% | 29.09%-37.7pp | 35.95%-44.6pp | 418.27%-426.9pp |
| Employer contribution / active EE | $936 | $3,490-73.2% | $2,837-67.0% | $4,741-80.3% |
| Participant deferral / active EE | $3,210 | $5,339-39.9% | $4,656-31.1% | $6,401-49.9% |
| Admin fee / account holder | $20,615 | $10,925+88.7% | $7,493+175.1% | $11,429+80.4% |