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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 | $78,611 | $84,551-7.0% | $61,452+27.9% | $134,532-41.6% |
| Participation rate | 30.0% | 62.2%-32.2pp | 52.6%-22.6pp | 81.2%-51.2pp |
| Annual return | -15.84% | 585.39%-601.2pp | 338.96%-354.8pp | 418.27%-434.1pp |
| Employer contribution / active EE | $763 | $1,545-50.6% | $1,160-34.2% | $4,741-83.9% |
| Participant deferral / active EE | $1,904 | $2,818-32.4% | $2,125-10.4% | $6,401-70.3% |
| Admin fee / account holder | $3,568 | $2,587+37.9% | $2,131+67.4% | $11,429-68.8% |