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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 | $71,805 | $37,440+91.8% | $77,081-6.8% | $66,930+7.3% |
| Participation rate | 64.4% | 52.9%+11.5pp | 67.9%-3.6pp | 69.8%-5.5pp |
| Annual return | -16.83% | -3.26%-13.6pp | 42.33%-59.2pp | 1.57%-18.4pp |
| Employer contribution / active EE | $2,536 | $1,534+65.4% | $2,813-9.8% | $2,545-0.3% |
| Participant deferral / active EE | $5,427 | $2,620+107.1% | $4,428+22.6% | $4,238+28.1% |
| Admin fee / account holder | $5,673 | $568+899.4% | $5,427+4.5% | $593+856.0% |