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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 | $92,661 | $95,895-3.4% | $79,576+16.4% | $134,509-31.1% |
| Participation rate | 26.3% | 75.0%-48.7pp | 69.5%-43.2pp | 81.2%-54.9pp |
| Annual return | -13.71% | -2.72%-11.0pp | 0.15%-13.9pp | 418.13%-431.8pp |
| Employer contribution / active EE | $620 | $3,128-80.2% | $2,413-74.3% | $4,741-86.9% |
| Participant deferral / active EE | $1,985 | $4,693-57.7% | $3,985-50.2% | $6,400-69.0% |
| Admin fee / account holder | $4,580 | $9,129-49.8% | $6,834-33.0% | $11,427-59.9% |