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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 | $202,691 | $105,861+91.5% | $90,756+123.3% | $134,509+50.7% |
| Participation rate | 60.0% | 78.2%-18.2pp | 75.7%-15.7pp | 81.2%-21.2pp |
| Annual return | -16.39% | -10.99%-5.4pp | -12.16%-4.2pp | 418.13%-434.5pp |
| Employer contribution / active EE | $1,652 | $3,463-52.3% | $2,922-43.5% | $4,741-65.2% |
| Participant deferral / active EE | $2,065 | $5,217-60.4% | $4,565-54.8% | $6,400-67.7% |
| Admin fee / account holder | $7,409 | $13,938-46.8% | $8,445-12.3% | $11,427-35.2% |