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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 | $72,112 | $82,678-12.8% | $125,391-42.5% | $68,490+5.3% |
| Participation rate | 62.1% | 75.1%-13.0pp | 82.4%-20.3pp | 67.9%-5.8pp |
| Annual return | -14.65% | -5.97%-8.7pp | 572.41%-587.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $1,958 | $3,382-42.1% | $4,816-59.4% | $2,597-24.6% |
| Participant deferral / active EE | $3,368 | $6,111-44.9% | $7,448-54.8% | $4,028-16.4% |
| Admin fee / account holder | $1,240 | $6,277-80.2% | $10,009-87.6% | $5,403-77.0% |