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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 | $73,313 | $66,302+10.6% | $110,243-33.5% | $56,287+30.2% |
| Participation rate | 54.6% | 74.9%-20.3pp | 79.8%-25.2pp | 69.9%-15.2pp |
| Annual return | -5.93% | -1.18%-4.8pp | 314.76%-320.7pp | -9.96%+4.0pp |
| Employer contribution / active EE | $698 | $2,047-65.9% | $3,827-81.8% | $2,111-66.9% |
| Participant deferral / active EE | $3,126 | $3,381-7.5% | $4,672-33.1% | $3,350-6.7% |
| Admin fee / account holder | $8,330 | $698+1092.5% | $8,548-2.6% | $521+1499.0% |