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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 | $128,110 | $82,678+54.9% | $125,391+2.2% | $68,490+87.0% |
| Participation rate | 55.8% | 75.1%-19.2pp | 82.4%-26.6pp | 67.9%-12.1pp |
| Annual return | -13.02% | -5.97%-7.0pp | 572.41%-585.4pp | -7.85%-5.2pp |
| Employer contribution / active EE | $1,719 | $3,382-49.2% | $4,816-64.3% | $2,597-33.8% |
| Participant deferral / active EE | $4,220 | $6,111-30.9% | $7,448-43.3% | $4,028+4.8% |
| Admin fee / account holder | $9,222 | $6,277+46.9% | $10,009-7.9% | $5,403+70.7% |