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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 | $75,117 | $82,674-9.1% | $125,381-40.1% | $68,486+9.7% |
| Participation rate | 44.4% | 75.1%-30.6pp | 82.4%-37.9pp | 67.9%-23.4pp |
| Annual return | -18.90% | -5.97%-12.9pp | 572.31%-591.2pp | -7.85%-11.0pp |
| Employer contribution / active EE | $1,431 | $3,382-57.7% | $4,815-70.3% | $2,597-44.9% |
| Participant deferral / active EE | $3,328 | $6,111-45.5% | $7,448-55.3% | $4,028-17.4% |
| Admin fee / account holder | $3,214 | $6,277-48.8% | $10,007-67.9% | $5,404-40.5% |