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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 | $68,084 | $77,817-12.5% | $123,553-44.9% | $64,173+6.1% |
| Participation rate | 41.9% | 74.7%-32.8pp | 82.3%-40.4pp | 69.6%-27.6pp |
| Annual return | -7.87% | 12.49%-20.4pp | 119.21%-127.1pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,558 | $3,014-48.3% | $4,628-66.3% | $2,381-34.6% |
| Participant deferral / active EE | $3,773 | $5,240-28.0% | $6,426-41.3% | $3,470+8.7% |
| Admin fee / account holder | $12,529 | $5,519+127.0% | $9,284+34.9% | $4,887+156.4% |