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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 | $160,288 | $53,546+199.3% | $69,884+129.4% | $68,486+134.0% |
| Participation rate | 54.2% | 64.5%-10.4pp | 70.5%-16.3pp | 67.9%-13.7pp |
| Annual return | -9.07% | -13.87%+4.8pp | 190.81%-199.9pp | -7.85%-1.2pp |
| Employer contribution / active EE | $919 | $2,019-54.5% | $2,560-64.1% | $2,597-64.6% |
| Participant deferral / active EE | $2,881 | $2,957-2.5% | $3,848-25.1% | $4,028-28.5% |
| Admin fee / account holder | $9,833 | $4,693+109.5% | $6,266+56.9% | $5,404+82.0% |