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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 | $149,185 | $78,694+89.6% | $67,652+120.5% | $125,389+19.0% |
| Participation rate | 44.4% | 78.8%-34.4pp | 75.7%-31.2pp | 83.2%-38.7pp |
| Annual return | -1.07% | 9.46%-10.5pp | 6625.40%-6626.5pp | 282.24%-283.3pp |
| Employer contribution / active EE | $1,231 | $3,044-59.6% | $2,266-45.7% | $4,866-74.7% |
| Participant deferral / active EE | $1,420 | $4,292-66.9% | $3,560-60.1% | $5,352-73.5% |
| Admin fee / account holder | $2,195 | $7,403-70.4% | $4,821-54.5% | $9,541-77.0% |