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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 | $128,696 | $81,870+57.2% | $119,622+7.6% | $68,486+87.9% |
| Participation rate | 43.6% | 71.9%-28.3pp | 79.3%-35.7pp | 67.9%-24.3pp |
| Annual return | -17.32% | -23.82%+6.5pp | -14.98%-2.3pp | -7.85%-9.5pp |
| Employer contribution / active EE | $828 | $2,692-69.2% | $4,232-80.4% | $2,597-68.1% |
| Participant deferral / active EE | $2,780 | $4,148-33.0% | $5,601-50.4% | $4,028-31.0% |
| Admin fee / account holder | $28,254 | $6,583+329.2% | $10,328+173.6% | $5,404+422.9% |