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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 | $150,800 | $91,537+64.7% | $130,045+16.0% | $75,173+100.6% |
| Participation rate | 42.9% | 71.5%-28.6pp | 78.5%-35.6pp | 67.2%-24.3pp |
| Annual return | 19.71% | -631.55%+651.3pp | -137.30%+157.0pp | 160.72%-141.0pp |
| Employer contribution / active EE | $1,745 | $2,845-38.7% | $4,321-59.6% | $2,671-34.7% |
| Participant deferral / active EE | $5,949 | $4,343+37.0% | $5,820+2.2% | $4,126+44.2% |
| Admin fee / account holder | $4,930 | $6,780-27.3% | $10,600-53.5% | $5,651-12.8% |