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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 | $67,218 | $75,935-11.5% | $60,547+11.0% | $125,389-46.4% |
| Participation rate | 43.5% | 76.5%-33.1pp | 68.0%-24.5pp | 83.2%-39.7pp |
| Annual return | -2.71% | -5.38%+2.7pp | 335.64%-338.4pp | 282.24%-285.0pp |
| Employer contribution / active EE | $1,161 | $3,438-66.2% | $2,419-52.0% | $4,866-76.1% |
| Participant deferral / active EE | $3,122 | $4,506-30.7% | $3,328-6.2% | $5,352-41.7% |
| Admin fee / account holder | $588 | $6,768-91.3% | $4,536-87.0% | $9,541-93.8% |