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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 | $158,013 | $95,915+64.7% | $79,580+98.6% | $134,532+17.5% |
| Participation rate | 47.4% | 75.0%-27.7pp | 69.5%-22.1pp | 81.2%-33.9pp |
| Annual return | 78.05% | -2.71%+80.8pp | 0.15%+77.9pp | 418.27%-340.2pp |
| Employer contribution / active EE | $1,193 | $3,129-61.9% | $2,413-50.6% | $4,741-74.8% |
| Participant deferral / active EE | $3,957 | $4,693-15.7% | $3,985-0.7% | $6,401-38.2% |
| Admin fee / account holder | $8,036 | $9,132-12.0% | $6,835+17.6% | $11,429-29.7% |