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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 | $63,160 | $54,370+16.2% | $82,763-23.7% | $68,490-7.8% |
| Participation rate | 64.1% | 63.9%+0.2pp | 72.6%-8.5pp | 67.9%-3.8pp |
| Annual return | -19.20% | -13.67%-5.5pp | 702.45%-721.7pp | -7.85%-11.3pp |
| Employer contribution / active EE | $1,175 | $2,219-47.0% | $3,008-60.9% | $2,597-54.7% |
| Participant deferral / active EE | $2,557 | $3,247-21.3% | $4,395-41.8% | $4,028-36.5% |
| Admin fee / account holder | $14,242 | $4,398+223.8% | $5,325+167.4% | $5,403+163.6% |