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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 | $225,386 | $95,895+135.0% | $79,576+183.2% | $134,509+67.6% |
| Participation rate | 20.0% | 75.0%-55.0pp | 69.5%-49.5pp | 81.2%-61.2pp |
| Annual return | -17.77% | -2.72%-15.0pp | 0.15%-17.9pp | 418.13%-435.9pp |
| Employer contribution / active EE | $635 | $3,128-79.7% | $2,413-73.7% | $4,741-86.6% |
| Participant deferral / active EE | $3,711 | $4,693-20.9% | $3,985-6.9% | $6,400-42.0% |
| Admin fee / account holder | $734 | $9,129-92.0% | $6,834-89.3% | $11,427-93.6% |