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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 | $75,213 | $54,370+38.3% | $82,763-9.1% | $68,490+9.8% |
| Participation rate | 46.5% | 63.9%-17.4pp | 72.6%-26.1pp | 67.9%-21.4pp |
| Annual return | -17.40% | -13.67%-3.7pp | 702.45%-719.8pp | -7.85%-9.5pp |
| Employer contribution / active EE | $2,364 | $2,219+6.5% | $3,008-21.4% | $2,597-9.0% |
| Participant deferral / active EE | $5,681 | $3,247+75.0% | $4,395+29.3% | $4,028+41.0% |
| Admin fee / account holder | $2,341 | $4,398-46.8% | $5,325-56.0% | $5,403-56.7% |