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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 | $127,436 | $95,915+32.9% | $79,580+60.1% | $134,532-5.3% |
| Participation rate | 44.4% | 75.0%-30.6pp | 69.5%-25.0pp | 81.2%-36.8pp |
| Annual return | -17.23% | -2.71%-14.5pp | 0.15%-17.4pp | 418.27%-435.5pp |
| Employer contribution / active EE | $1,223 | $3,129-60.9% | $2,413-49.3% | $4,741-74.2% |
| Participant deferral / active EE | $7,218 | $4,693+53.8% | $3,985+81.1% | $6,401+12.8% |
| Admin fee / account holder | $1,263 | $9,132-86.2% | $6,835-81.5% | $11,429-88.9% |