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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 | $171,240 | $133,998+27.8% | $112,263+52.5% | $134,545+27.3% |
| Participation rate | 60.0% | 78.6%-18.6pp | 75.1%-15.1pp | 81.2%-21.2pp |
| Annual return | -16.67% | 47.17%-63.8pp | 27.49%-44.2pp | 418.37%-435.0pp |
| Employer contribution / active EE | $1,081 | $4,040-73.2% | $3,636-70.3% | $4,742-77.2% |
| Participant deferral / active EE | $6,189 | $5,292+16.9% | $4,729+30.9% | $6,401-3.3% |
| Admin fee / account holder | $2,506 | $7,493-66.6% | $6,410-60.9% | $11,431-78.1% |