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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 | $47,831 | $27,639+73.1% | $61,501-22.2% | $68,490-30.2% |
| Participation rate | 61.9% | 39.5%+22.4pp | 52.6%+9.3pp | 67.9%-6.0pp |
| Annual return | -15.49% | -13.19%-2.3pp | 339.04%-354.5pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,269 | $696+82.4% | $1,160+9.4% | $2,597-51.1% |
| Participant deferral / active EE | $2,560 | $1,264+102.6% | $2,125+20.5% | $4,028-36.4% |
| Admin fee / account holder | $741 | $2,012-63.2% | $2,132-65.2% | $5,403-86.3% |