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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 | $69,522 | $49,177+41.4% | $79,467-12.5% | $64,173+8.3% |
| Participation rate | 36.1% | 65.0%-28.9pp | 73.3%-37.2pp | 69.6%-33.5pp |
| Annual return | -6.90% | -1.16%-5.7pp | 718.30%-725.2pp | 7.63%-14.5pp |
| Employer contribution / active EE | $456 | $2,076-78.0% | $2,800-83.7% | $2,381-80.8% |
| Participant deferral / active EE | $2,062 | $2,821-26.9% | $3,704-44.3% | $3,470-40.6% |
| Admin fee / account holder | $2,603 | $3,839-32.2% | $5,104-49.0% | $4,887-46.7% |