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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 | $69,186 | $82,678-16.3% | $125,391-44.8% | $68,490+1.0% |
| Participation rate | 44.7% | 75.1%-30.4pp | 82.4%-37.7pp | 67.9%-23.2pp |
| Annual return | -10.57% | -5.97%-4.6pp | 572.41%-583.0pp | -7.85%-2.7pp |
| Employer contribution / active EE | $753 | $3,382-77.7% | $4,816-84.4% | $2,597-71.0% |
| Participant deferral / active EE | $5,182 | $6,111-15.2% | $7,448-30.4% | $4,028+28.7% |
| Admin fee / account holder | $8,070 | $6,277+28.6% | $10,009-19.4% | $5,403+49.4% |