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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 | $70,406 | $82,674-14.8% | $125,363-43.8% | $68,495+2.8% |
| Participation rate | 68.2% | 75.0%-6.9pp | 82.4%-14.2pp | 67.9%+0.3pp |
| Annual return | -13.25% | -5.97%-7.3pp | 572.15%-585.4pp | -7.84%-5.4pp |
| Employer contribution / active EE | $2,708 | $3,382-19.9% | $4,815-43.7% | $2,596+4.3% |
| Participant deferral / active EE | $5,432 | $6,111-11.1% | $7,447-27.1% | $4,028+34.9% |
| Admin fee / account holder | $3,105 | $6,276-50.5% | $10,005-69.0% | $5,403-42.5% |