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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 | $70,817 | $82,674-14.3% | $125,381-43.5% | $68,486+3.4% |
| Participation rate | 67.2% | 75.1%-7.8pp | 82.4%-15.1pp | 67.9%-0.7pp |
| Annual return | -17.34% | -5.97%-11.4pp | 572.31%-589.6pp | -7.85%-9.5pp |
| Employer contribution / active EE | $3,355 | $3,382-0.8% | $4,815-30.3% | $2,597+29.2% |
| Participant deferral / active EE | $6,985 | $6,111+14.3% | $7,448-6.2% | $4,028+73.4% |
| Admin fee / account holder | $1,243 | $6,277-80.2% | $10,007-87.6% | $5,404-77.0% |