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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 | $18,864 | $93,117-79.7% | $77,096-75.5% | $134,532-86.0% |
| Participation rate | 62.5% | 74.5%-12.0pp | 67.9%-5.4pp | 81.2%-18.7pp |
| Annual return | -14.39% | 62.67%-77.1pp | 42.35%-56.7pp | 418.27%-432.7pp |
| Employer contribution / active EE | $4,964 | $3,420+45.1% | $2,814+76.4% | $4,741+4.7% |
| Participant deferral / active EE | $2,481 | $5,241-52.7% | $4,429-44.0% | $6,401-61.2% |
| Admin fee / account holder | $619 | $6,948-91.1% | $5,428-88.6% | $11,429-94.6% |