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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 | $61,968 | $57,352+8.0% | $83,830-26.1% | $64,173-3.4% |
| Participation rate | 59.0% | 68.6%-9.6pp | 76.1%-17.2pp | 69.6%-10.6pp |
| Annual return | -5.43% | 11.38%-16.8pp | 850.97%-856.4pp | 7.63%-13.1pp |
| Employer contribution / active EE | $1,363 | $2,546-46.5% | $3,631-62.5% | $2,381-42.8% |
| Participant deferral / active EE | $5,143 | $2,993+71.8% | $4,082+26.0% | $3,470+48.2% |
| Admin fee / account holder | $13,896 | $4,046+243.4% | $5,479+153.6% | $4,887+184.3% |