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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 | $89,834 | $82,674+8.7% | $125,381-28.4% | $68,486+31.2% |
| Participation rate | 59.3% | 75.1%-15.8pp | 82.4%-23.1pp | 67.9%-8.6pp |
| Annual return | -13.76% | -5.97%-7.8pp | 572.31%-586.1pp | -7.85%-5.9pp |
| Employer contribution / active EE | $2,276 | $3,382-32.7% | $4,815-52.7% | $2,597-12.4% |
| Participant deferral / active EE | $6,286 | $6,111+2.9% | $7,448-15.6% | $4,028+56.1% |
| Admin fee / account holder | $4,211 | $6,277-32.9% | $10,007-57.9% | $5,404-22.1% |