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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 | $176,187 | $82,314+114.0% | $68,808+156.1% | $134,532+31.0% |
| Participation rate | 66.7% | 75.1%-8.4pp | 69.0%-2.4pp | 81.2%-14.6pp |
| Annual return | -16.64% | -2.18%-14.5pp | -6.37%-10.3pp | 418.27%-434.9pp |
| Employer contribution / active EE | $2,480 | $3,301-24.9% | $2,656-6.6% | $4,741-47.7% |
| Participant deferral / active EE | $7,798 | $4,740+64.5% | $3,942+97.8% | $6,401+21.8% |
| Admin fee / account holder | $40,553 | $6,484+525.4% | $4,936+721.6% | $11,429+254.8% |