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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 | $178,349 | $104,106+71.3% | $71,086+150.9% | $135,379+31.7% |
| Participation rate | 8.3% | 65.7%-57.3pp | 54.7%-46.3pp | 82.6%-74.3pp |
| Annual return | -6.87% | 1256.30%-1263.2pp | 650.59%-657.5pp | 519.79%-526.7pp |
| Employer contribution / active EE | $210 | $1,485-85.9% | $1,088-80.7% | $4,779-95.6% |
| Participant deferral / active EE | $893 | $2,527-64.7% | $1,874-52.4% | $5,609-84.1% |
| Admin fee / account holder | $1,203 | $4,142-71.0% | $3,082-61.0% | $10,828-88.9% |