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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 | $85,729 | $147,167-41.7% | $111,392-23.0% | $135,380-36.7% |
| Participation rate | 62.5% | 84.0%-21.5pp | 78.9%-16.4pp | 82.6%-20.1pp |
| Annual return | -5.58% | -4.44%-1.1pp | -2.06%-3.5pp | 519.81%-525.4pp |
| Employer contribution / active EE | $2,031 | $5,204-61.0% | $4,328-53.1% | $4,779-57.5% |
| Participant deferral / active EE | $4,832 | $6,565-26.4% | $5,567-13.2% | $5,609-13.9% |
| Admin fee / account holder | $12,288 | $20,270-39.4% | $12,266+0.2% | $10,828+13.5% |