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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 | $155,030 | $147,167+5.3% | $111,392+39.2% | $135,380+14.5% |
| Participation rate | 47.8% | 84.0%-36.2pp | 78.9%-31.0pp | 82.6%-34.8pp |
| Annual return | -3.89% | -4.44%+0.6pp | -2.06%-1.8pp | 519.81%-523.7pp |
| Employer contribution / active EE | $2,486 | $5,204-52.2% | $4,328-42.6% | $4,779-48.0% |
| Participant deferral / active EE | $4,541 | $6,565-30.8% | $5,567-18.4% | $5,609-19.0% |
| Admin fee / account holder | $15,387 | $20,270-24.1% | $12,266+25.4% | $10,828+42.1% |