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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 | $72,716 | $82,674-12.0% | $125,381-42.0% | $68,486+6.2% |
| Participation rate | 64.7% | 75.1%-10.3pp | 82.4%-17.7pp | 67.9%-3.2pp |
| Annual return | -15.99% | -5.97%-10.0pp | 572.31%-588.3pp | -7.85%-8.1pp |
| Employer contribution / active EE | $2,244 | $3,382-33.6% | $4,815-53.4% | $2,597-13.6% |
| Participant deferral / active EE | $4,821 | $6,111-21.1% | $7,448-35.3% | $4,028+19.7% |
| Admin fee / account holder | $9,192 | $6,277+46.4% | $10,007-8.1% | $5,404+70.1% |