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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 | $78,189 | $133,981-41.6% | $112,249-30.3% | $134,532-41.9% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -16.12% | 47.16%-63.3pp | 27.48%-43.6pp | 418.27%-434.4pp |
| Employer contribution / active EE | $1,405 | $4,040-65.2% | $3,636-61.4% | $4,741-70.4% |
| Participant deferral / active EE | $4,891 | $5,292-7.6% | $4,729+3.4% | $6,401-23.6% |
| Admin fee / account holder | $12,853 | $7,492+71.6% | $6,412+100.4% | $11,429+12.5% |