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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 | $167,042 | $28,601+484.0% | $71,778+132.7% | $66,949+149.5% |
| Participation rate | 45.0% | 56.7%-11.7pp | 62.3%-17.3pp | 69.8%-24.8pp |
| Annual return | -14.35% | -10.90%-3.5pp | 9.15%-23.5pp | 1.57%-15.9pp |
| Employer contribution / active EE | $675 | $1,104-38.9% | $1,704-60.4% | $2,545-73.5% |
| Participant deferral / active EE | $2,674 | $1,912+39.9% | $2,656+0.7% | $4,239-36.9% |
| Admin fee / account holder | $6,230 | $506+1130.7% | $3,974+56.8% | $594+949.6% |