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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 | $84,258 | $27,632+204.9% | $61,399+37.2% | $68,495+23.0% |
| Participation rate | 44.8% | 39.5%+5.3pp | 52.6%-7.7pp | 67.9%-23.1pp |
| Annual return | -13.81% | -13.24%-0.6pp | 338.81%-352.6pp | -7.84%-6.0pp |
| Employer contribution / active EE | $1,281 | $696+84.1% | $1,159+10.5% | $2,596-50.7% |
| Participant deferral / active EE | $1,933 | $1,264+52.9% | $2,124-9.0% | $4,028-52.0% |
| Admin fee / account holder | $3,242 | $2,010+61.3% | $2,131+52.2% | $5,403-40.0% |