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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 | $149,028 | $95,895+55.4% | $79,576+87.3% | $134,509+10.8% |
| Participation rate | 62.5% | 75.0%-12.5pp | 69.5%-7.0pp | 81.2%-18.7pp |
| Annual return | -18.38% | -2.72%-15.7pp | 0.15%-18.5pp | 418.13%-436.5pp |
| Employer contribution / active EE | $1,224 | $3,128-60.9% | $2,413-49.3% | $4,741-74.2% |
| Participant deferral / active EE | $4,074 | $4,693-13.2% | $3,985+2.2% | $6,400-36.3% |
| Admin fee / account holder | $48,134 | $9,129+427.3% | $6,834+604.3% | $11,427+321.2% |