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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 | $179,796 | $75,962+136.7% | $154,108+16.7% | $64,173+180.2% |
| Participation rate | 58.8% | 70.4%-11.6pp | 83.0%-24.2pp | 69.6%-10.7pp |
| Annual return | -7.08% | 30.32%-37.4pp | 735.21%-742.3pp | 7.63%-14.7pp |
| Employer contribution / active EE | $2,718 | $3,350-18.9% | $5,298-48.7% | $2,381+14.2% |
| Participant deferral / active EE | $5,527 | $3,175+74.1% | $5,081+8.8% | $3,470+59.3% |
| Admin fee / account holder | $5,620 | $5,589+0.6% | $13,411-58.1% | $4,887+15.0% |