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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 | $122,464 | $85,790+42.7% | $67,313+81.9% | $135,382-9.5% |
| Participation rate | 50.0% | 76.5%-26.5pp | 69.1%-19.1pp | 82.6%-32.6pp |
| Annual return | -1.56% | -0.54%-1.0pp | -4.08%+2.5pp | 519.77%-521.3pp |
| Employer contribution / active EE | $4,904 | $3,487+40.6% | $2,566+91.1% | $4,779+2.6% |
| Participant deferral / active EE | $2,500 | $4,651-46.2% | $3,568-29.9% | $5,609-55.4% |
| Admin fee / account holder | $803 | $6,392-87.4% | $4,507-82.2% | $10,829-92.6% |