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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 | $67,220 | $82,678-18.7% | $125,391-46.4% | $68,490-1.9% |
| Participation rate | 66.1% | 75.1%-9.0pp | 82.4%-16.3pp | 67.9%-1.8pp |
| Annual return | -12.81% | -5.97%-6.8pp | 572.41%-585.2pp | -7.85%-5.0pp |
| Employer contribution / active EE | $2,720 | $3,382-19.6% | $4,816-43.5% | $2,597+4.7% |
| Participant deferral / active EE | $4,116 | $6,111-32.7% | $7,448-44.7% | $4,028+2.2% |
| Admin fee / account holder | $3,214 | $6,277-48.8% | $10,009-67.9% | $5,403-40.5% |