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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 | $77,983 | $105,867-26.3% | $90,760-14.1% | $134,532-42.0% |
| Participation rate | 68.8% | 78.3%-9.5pp | 75.7%-6.9pp | 81.2%-12.5pp |
| Annual return | -14.05% | -10.99%-3.1pp | -12.16%-1.9pp | 418.27%-432.3pp |
| Employer contribution / active EE | $1,972 | $3,464-43.1% | $2,922-32.5% | $4,741-58.4% |
| Participant deferral / active EE | $3,940 | $5,217-24.5% | $4,565-13.7% | $6,401-38.4% |
| Admin fee / account holder | $33,566 | $13,936+140.9% | $8,444+297.5% | $11,429+193.7% |