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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 | $75,392 | $30,732+145.3% | $59,496+26.7% | $59,633+26.4% |
| Participation rate | 21.7% | 43.2%-21.5pp | 54.6%-32.8pp | 68.7%-46.9pp |
| Annual return | -0.92% | 4.47%-5.4pp | 182.05%-183.0pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $484 | $631-23.3% | $1,153-58.0% | $2,203-78.0% |
| Participant deferral / active EE | $894 | $1,183-24.4% | $1,829-51.1% | $3,192-72.0% |
| Admin fee / account holder | $1,782 | $2,136-16.6% | $2,232-20.2% | $4,297-58.5% |