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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 | $178,294 | $93,117+91.5% | $77,096+131.3% | $134,532+32.5% |
| Participation rate | 33.3% | 74.5%-41.2pp | 67.9%-34.6pp | 81.2%-47.9pp |
| Annual return | -17.49% | 62.67%-80.2pp | 42.35%-59.8pp | 418.27%-435.8pp |
| Employer contribution / active EE | $685 | $3,420-80.0% | $2,814-75.7% | $4,741-85.6% |
| Participant deferral / active EE | $3,942 | $5,241-24.8% | $4,429-11.0% | $6,401-38.4% |
| Admin fee / account holder | $1,551 | $6,948-77.7% | $5,428-71.4% | $11,429-86.4% |