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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 | $85,268 | $47,977+77.7% | $154,108-44.7% | $56,289+51.5% |
| Participation rate | 60.6% | 66.2%-5.6pp | 83.0%-22.5pp | 69.9%-9.3pp |
| Annual return | -5.04% | 3.54%-8.6pp | 735.21%-740.2pp | -9.96%+4.9pp |
| Employer contribution / active EE | $374 | $2,169-82.8% | $5,298-92.9% | $2,111-82.3% |
| Participant deferral / active EE | $4,166 | $2,392+74.2% | $5,081-18.0% | $3,350+24.4% |
| Admin fee / account holder | $2,114 | $438+382.4% | $13,411-84.2% | $521+305.8% |