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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 | $108,063 | $82,678+30.7% | $125,391-13.8% | $68,490+57.8% |
| Participation rate | 59.3% | 75.1%-15.8pp | 82.4%-23.1pp | 67.9%-8.6pp |
| Annual return | -6.66% | -5.97%-0.7pp | 572.41%-579.1pp | -7.85%+1.2pp |
| Employer contribution / active EE | $1,478 | $3,382-56.3% | $4,816-69.3% | $2,597-43.1% |
| Participant deferral / active EE | $4,909 | $6,111-19.7% | $7,448-34.1% | $4,028+21.9% |
| Admin fee / account holder | $2,852 | $6,277-54.6% | $10,009-71.5% | $5,403-47.2% |