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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 | $112,709 | $87,016+29.5% | $63,244+78.2% | $125,388-10.1% |
| Participation rate | 69.2% | 77.1%-7.8pp | 71.0%-1.8pp | 83.2%-14.0pp |
| Annual return | -3.07% | 21.71%-24.8pp | -70.31%+67.2pp | 282.24%-285.3pp |
| Employer contribution / active EE | $0 | $3,601-100.0% | $2,322-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $7,334 | $3,939+86.2% | $2,953+148.3% | $5,352+37.0% |
| Admin fee / account holder | $5,392 | $11,954-54.9% | $5,893-8.5% | $9,541-43.5% |