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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 | $77,796 | $66,302+17.3% | $110,243-29.4% | $56,287+38.2% |
| Participation rate | 64.4% | 74.9%-10.6pp | 79.8%-15.5pp | 69.9%-5.5pp |
| Annual return | -4.64% | -1.18%-3.5pp | 314.76%-319.4pp | -9.96%+5.3pp |
| Employer contribution / active EE | $1,824 | $2,047-10.9% | $3,827-52.3% | $2,111-13.6% |
| Participant deferral / active EE | $3,737 | $3,381+10.5% | $4,672-20.0% | $3,350+11.6% |
| Admin fee / account holder | $2,246 | $698+221.5% | $8,548-73.7% | $521+331.1% |