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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 | $72,440 | $82,678-12.4% | $125,391-42.2% | $68,490+5.8% |
| Participation rate | 51.7% | 75.1%-23.3pp | 82.4%-30.7pp | 67.9%-16.2pp |
| Annual return | -17.76% | -5.97%-11.8pp | 572.41%-590.2pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,078 | $3,382-68.1% | $4,816-77.6% | $2,597-58.5% |
| Participant deferral / active EE | $2,626 | $6,111-57.0% | $7,448-64.7% | $4,028-34.8% |
| Admin fee / account holder | $3,830 | $6,277-39.0% | $10,009-61.7% | $5,403-29.1% |