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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 | $179,350 | $87,544+104.9% | $75,784+136.7% | $125,388+43.0% |
| Participation rate | 50.0% | 80.2%-30.2pp | 75.8%-25.8pp | 83.2%-33.2pp |
| Annual return | -1.79% | 13.49%-15.3pp | 9.68%-11.5pp | 282.24%-284.0pp |
| Employer contribution / active EE | $7,856 | $3,930+99.9% | $3,323+136.4% | $4,866+61.4% |
| Participant deferral / active EE | $2,847 | $4,229-32.7% | $3,652-22.0% | $5,352-46.8% |
| Admin fee / account holder | $5,005 | $6,502-23.0% | $5,300-5.6% | $9,541-47.5% |