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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 | $68,573 | $82,324-16.7% | $68,803-0.3% | $134,545-49.0% |
| Participation rate | 57.9% | 75.1%-17.2pp | 69.0%-11.1pp | 81.2%-23.3pp |
| Annual return | -16.59% | -2.17%-14.4pp | -6.37%-10.2pp | 418.37%-435.0pp |
| Employer contribution / active EE | $2,274 | $3,302-31.1% | $2,656-14.4% | $4,742-52.0% |
| Participant deferral / active EE | $3,419 | $4,740-27.9% | $3,942-13.3% | $6,401-46.6% |
| Admin fee / account holder | $973 | $6,485-85.0% | $4,936-80.3% | $11,431-91.5% |