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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 | $180,873 | $73,863+144.9% | $143,797+25.8% | $68,490+164.1% |
| Participation rate | 48.7% | 66.7%-17.9pp | 80.3%-31.6pp | 67.9%-19.2pp |
| Annual return | -17.36% | 0.91%-18.3pp | -0.04%-17.3pp | -7.85%-9.5pp |
| Employer contribution / active EE | $2,460 | $3,185-22.8% | $4,952-50.3% | $2,597-5.3% |
| Participant deferral / active EE | $5,564 | $3,385+64.4% | $5,638-1.3% | $4,028+38.1% |
| Admin fee / account holder | $39,657 | $5,756+589.0% | $14,679+170.2% | $5,403+634.0% |