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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 | $76,343 | $81,870-6.8% | $119,634-36.2% | $68,490+11.5% |
| Participation rate | 55.3% | 71.9%-16.6pp | 79.3%-24.0pp | 67.9%-12.6pp |
| Annual return | -15.77% | -23.82%+8.0pp | -14.98%-0.8pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,785 | $2,692-33.7% | $4,232-57.8% | $2,597-31.3% |
| Participant deferral / active EE | $3,949 | $4,148-4.8% | $5,601-29.5% | $4,028-1.9% |
| Admin fee / account holder | $19,060 | $6,583+189.5% | $10,329+84.5% | $5,403+252.8% |