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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 | $66,086 | $75,962-13.0% | $154,108-57.1% | $64,173+3.0% |
| Participation rate | 57.8% | 70.4%-12.6pp | 83.0%-25.2pp | 69.6%-11.8pp |
| Annual return | -6.02% | 30.32%-36.3pp | 735.21%-741.2pp | 7.63%-13.7pp |
| Employer contribution / active EE | $805 | $3,350-76.0% | $5,298-84.8% | $2,381-66.2% |
| Participant deferral / active EE | $1,999 | $3,175-37.0% | $5,081-60.7% | $3,470-42.4% |
| Admin fee / account holder | $7,102 | $5,589+27.1% | $13,411-47.0% | $4,887+45.3% |