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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 | $77,281 | $69,012+12.0% | $160,037-51.7% | $68,490+12.8% |
| Participation rate | 40.0% | 65.4%-25.4pp | 78.0%-38.0pp | 67.9%-27.9pp |
| Annual return | -12.67% | -9.65%-3.0pp | 408.95%-421.6pp | -7.85%-4.8pp |
| Employer contribution / active EE | $1,316 | $2,212-40.5% | $4,226-68.8% | $2,597-49.3% |
| Participant deferral / active EE | $2,709 | $4,212-35.7% | $6,184-56.2% | $4,028-32.7% |
| Admin fee / account holder | $2,870 | $4,798-40.2% | $8,716-67.1% | $5,403-46.9% |