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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 | $74,260 | $82,674-10.2% | $125,381-40.8% | $68,486+8.4% |
| Participation rate | 57.1% | 75.1%-17.9pp | 82.4%-25.2pp | 67.9%-10.8pp |
| Annual return | -14.91% | -5.97%-8.9pp | 572.31%-587.2pp | -7.85%-7.1pp |
| Employer contribution / active EE | $2,002 | $3,382-40.8% | $4,815-58.4% | $2,597-22.9% |
| Participant deferral / active EE | $3,907 | $6,111-36.1% | $7,448-47.5% | $4,028-3.0% |
| Admin fee / account holder | $416 | $6,277-93.4% | $10,007-95.8% | $5,404-92.3% |