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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 | $36,427 | $82,674-55.9% | $125,381-70.9% | $68,486-46.8% |
| Participation rate | 69.8% | 75.1%-5.3pp | 82.4%-12.6pp | 67.9%+1.9pp |
| Annual return | -18.85% | -5.97%-12.9pp | 572.31%-591.2pp | -7.85%-11.0pp |
| Employer contribution / active EE | $3,700 | $3,382+9.4% | $4,815-23.2% | $2,597+42.5% |
| Participant deferral / active EE | $6,961 | $6,111+13.9% | $7,448-6.5% | $4,028+72.8% |
| Admin fee / account holder | $2,803 | $6,277-55.3% | $10,007-72.0% | $5,404-48.1% |