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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 | $214,359 | $142,392+50.5% | $119,622+79.2% | $134,532+59.3% |
| Participation rate | 62.5% | 82.8%-20.3pp | 79.3%-16.8pp | 81.2%-18.7pp |
| Annual return | -17.33% | -12.46%-4.9pp | -14.98%-2.3pp | 418.27%-435.6pp |
| Employer contribution / active EE | $3,361 | $5,224-35.7% | $4,232-20.6% | $4,741-29.1% |
| Participant deferral / active EE | $10,214 | $6,467+57.9% | $5,601+82.4% | $6,401+59.6% |
| Admin fee / account holder | $23,219 | $13,593+70.8% | $10,328+124.8% | $11,429+103.2% |