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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 | $68,633 | $75,962-9.6% | $154,108-55.5% | $64,173+6.9% |
| Participation rate | 44.4% | 70.4%-26.0pp | 83.0%-38.6pp | 69.6%-25.1pp |
| Annual return | -5.83% | 30.32%-36.2pp | 735.21%-741.0pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,002 | $3,350-70.1% | $5,298-81.1% | $2,381-57.9% |
| Participant deferral / active EE | $3,668 | $3,175+15.5% | $5,081-27.8% | $3,470+5.7% |
| Admin fee / account holder | $4,706 | $5,589-15.8% | $13,411-64.9% | $4,887-3.7% |