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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 | $131,448 | $62,715+109.6% | $104,301+26.0% | $66,930+96.4% |
| Participation rate | 35.9% | 59.6%-23.7pp | 73.3%-37.3pp | 69.8%-33.9pp |
| Annual return | -14.39% | -14.70%+0.3pp | 24.61%-39.0pp | 1.57%-16.0pp |
| Employer contribution / active EE | $1,084 | $1,976-45.1% | $3,373-67.9% | $2,545-57.4% |
| Participant deferral / active EE | $2,785 | $2,852-2.3% | $4,626-39.8% | $4,238-34.3% |
| Admin fee / account holder | $26,460 | $657+3929.1% | $7,340+260.5% | $593+4358.9% |