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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 | $150,681 | $64,729+132.8% | $112,263+34.2% | $68,490+120.0% |
| Participation rate | 36.0% | 67.2%-31.2pp | 75.1%-39.1pp | 67.9%-31.9pp |
| Annual return | -6.17% | -11.40%+5.2pp | 27.49%-33.7pp | -7.85%+1.7pp |
| Employer contribution / active EE | $1,048 | $2,746-61.8% | $3,636-71.2% | $2,597-59.7% |
| Participant deferral / active EE | $2,763 | $3,566-22.5% | $4,729-41.6% | $4,028-31.4% |
| Admin fee / account holder | $66,999 | $5,222+1183.1% | $6,410+945.2% | $5,403+1140.1% |