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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 | $174,413 | $100,805+73.0% | $86,698+101.2% | $134,532+29.6% |
| Participation rate | 65.2% | 79.0%-13.7pp | 76.6%-11.4pp | 81.2%-16.0pp |
| Annual return | -14.26% | 29.09%-43.3pp | 35.95%-50.2pp | 418.27%-432.5pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $2,316 | $5,339-56.6% | $4,656-50.3% | $6,401-63.8% |
| Admin fee / account holder | $14,377 | $10,925+31.6% | $7,493+91.9% | $11,429+25.8% |