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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 | $161,265 | $82,324+95.9% | $68,803+134.4% | $134,545+19.9% |
| Participation rate | 66.7% | 75.1%-8.4pp | 69.0%-2.4pp | 81.2%-14.6pp |
| Annual return | -14.75% | -2.17%-12.6pp | -6.37%-8.4pp | 418.37%-433.1pp |
| Employer contribution / active EE | $1,532 | $3,302-53.6% | $2,656-42.3% | $4,742-67.7% |
| Participant deferral / active EE | $3,516 | $4,740-25.8% | $3,942-10.8% | $6,401-45.1% |
| Admin fee / account holder | $14,072 | $6,485+117.0% | $4,936+185.1% | $11,431+23.1% |