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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 | $59,684 | $93,124-35.9% | $77,100-22.6% | $134,545-55.6% |
| Participation rate | 42.9% | 74.5%-31.6pp | 67.9%-25.1pp | 81.2%-38.4pp |
| Annual return | -21.06% | 62.68%-83.7pp | 42.35%-63.4pp | 418.37%-439.4pp |
| Employer contribution / active EE | $2,061 | $3,421-39.8% | $2,815-26.8% | $4,742-56.5% |
| Participant deferral / active EE | $8,856 | $5,242+68.9% | $4,430+99.9% | $6,401+38.4% |
| Admin fee / account holder | $1,098 | $6,970-84.2% | $5,443-79.8% | $11,431-90.4% |