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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 | $72,505 | $82,678-12.3% | $125,391-42.2% | $68,490+5.9% |
| Participation rate | 56.8% | 75.1%-18.3pp | 82.4%-25.6pp | 67.9%-11.1pp |
| Annual return | -13.00% | -5.97%-7.0pp | 572.41%-585.4pp | -7.85%-5.1pp |
| Employer contribution / active EE | $719 | $3,382-78.7% | $4,816-85.1% | $2,597-72.3% |
| Participant deferral / active EE | $4,685 | $6,111-23.3% | $7,448-37.1% | $4,028+16.3% |
| Admin fee / account holder | $876 | $6,277-86.0% | $10,009-91.2% | $5,403-83.8% |