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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 | $118,180 | $27,639+327.6% | $61,501+92.2% | $68,490+72.6% |
| Participation rate | 22.2% | 39.5%-17.3pp | 52.6%-30.4pp | 67.9%-45.7pp |
| Annual return | -19.82% | -13.19%-6.6pp | 339.04%-358.9pp | -7.85%-12.0pp |
| Employer contribution / active EE | $808 | $696+16.2% | $1,160-30.3% | $2,597-68.9% |
| Participant deferral / active EE | $1,998 | $1,264+58.1% | $2,125-6.0% | $4,028-50.4% |
| Admin fee / account holder | $2,382 | $2,012+18.3% | $2,132+11.7% | $5,403-55.9% |