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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 | $68,482 | $72,404-5.4% | $110,243-37.9% | $64,173+6.7% |
| Participation rate | 44.2% | 73.3%-29.2pp | 79.8%-35.6pp | 69.6%-25.4pp |
| Annual return | -6.18% | -6.29%+0.1pp | 314.76%-320.9pp | 7.63%-13.8pp |
| Employer contribution / active EE | $1,628 | $2,282-28.6% | $3,827-57.5% | $2,381-31.6% |
| Participant deferral / active EE | $2,211 | $3,469-36.3% | $4,672-52.7% | $3,470-36.3% |
| Admin fee / account holder | $9,466 | $5,664+67.1% | $8,548+10.7% | $4,887+93.7% |