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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 | $70,892 | $69,012+2.7% | $160,037-55.7% | $68,490+3.5% |
| Participation rate | 61.8% | 65.4%-3.6pp | 78.0%-16.1pp | 67.9%-6.1pp |
| Annual return | -7.68% | -9.65%+2.0pp | 408.95%-416.6pp | -7.85%+0.2pp |
| Employer contribution / active EE | $1,080 | $2,212-51.2% | $4,226-74.5% | $2,597-58.4% |
| Participant deferral / active EE | $4,144 | $4,212-1.6% | $6,184-33.0% | $4,028+2.9% |
| Admin fee / account holder | $18,190 | $4,798+279.1% | $8,716+108.7% | $5,403+236.7% |