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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 | $162,141 | $61,816+162.3% | $97,260+66.7% | $80,935+100.3% |
| Participation rate | 41.7% | 63.5%-21.8pp | 72.7%-31.0pp | 67.7%-26.0pp |
| Annual return | 10.71% | -558.73%+569.4pp | 75.54%-64.8pp | 35.66%-25.0pp |
| Employer contribution / active EE | $1,616 | $1,836-12.0% | $2,721-40.6% | $2,757-41.4% |
| Participant deferral / active EE | $3,639 | $3,027+20.2% | $4,262-14.6% | $4,299-15.4% |
| Admin fee / account holder | $7,782 | $5,166+50.7% | $5,640+38.0% | $6,924+12.4% |