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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 | $66,786 | $57,352+16.4% | $83,830-20.3% | $64,173+4.1% |
| Participation rate | 60.0% | 68.6%-8.6pp | 76.1%-16.1pp | 69.6%-9.6pp |
| Annual return | -7.07% | 11.38%-18.5pp | 850.97%-858.0pp | 7.63%-14.7pp |
| Employer contribution / active EE | $1,818 | $2,546-28.6% | $3,631-49.9% | $2,381-23.6% |
| Participant deferral / active EE | $3,894 | $2,993+30.1% | $4,082-4.6% | $3,470+12.2% |
| Admin fee / account holder | $934 | $4,046-76.9% | $5,479-83.0% | $4,887-80.9% |