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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 | $78,611 | $95,979-18.1% | $74,551+5.4% | $135,380-41.9% |
| Participation rate | 22.2% | 75.7%-53.4pp | 69.1%-46.9pp | 82.6%-60.4pp |
| Annual return | -8.77% | 56.97%-65.7pp | 32.53%-41.3pp | 519.81%-528.6pp |
| Employer contribution / active EE | $1,381 | $2,716-49.2% | $1,961-29.6% | $4,779-71.1% |
| Participant deferral / active EE | $3,833 | $3,844-0.3% | $3,108+23.3% | $5,609-31.7% |
| Admin fee / account holder | $1,001 | $6,522-84.6% | $5,059-80.2% | $10,828-90.8% |