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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 | $28,573 | $84,628-66.2% | $61,501-53.5% | $134,545-78.8% |
| Participation rate | 55.6% | 62.2%-6.6pp | 52.6%+3.0pp | 81.2%-25.7pp |
| Annual return | -20.60% | 585.61%-606.2pp | 339.04%-359.6pp | 418.37%-439.0pp |
| Employer contribution / active EE | $1,581 | $1,545+2.4% | $1,160+36.3% | $4,742-66.7% |
| Participant deferral / active EE | $2,319 | $2,819-17.7% | $2,125+9.2% | $6,401-63.8% |
| Admin fee / account holder | $4,427 | $2,587+71.1% | $2,132+107.7% | $11,431-61.3% |