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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 | $167,525 | $95,867+74.7% | $79,551+110.6% | $134,493+24.6% |
| Participation rate | 55.6% | 75.0%-19.5pp | 69.5%-13.9pp | 81.2%-25.7pp |
| Annual return | -16.74% | -2.73%-14.0pp | 0.14%-16.9pp | 418.01%-434.8pp |
| Employer contribution / active EE | $7,272 | $3,128+132.5% | $2,413+201.4% | $4,740+53.4% |
| Participant deferral / active EE | $6,642 | $4,692+41.6% | $3,985+66.7% | $6,400+3.8% |
| Admin fee / account holder | $1,384 | $9,127-84.8% | $6,833-79.7% | $11,425-87.9% |