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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 | $78,274 | $82,678-5.3% | $125,391-37.6% | $68,490+14.3% |
| Participation rate | 66.7% | 75.1%-8.4pp | 82.4%-15.7pp | 67.9%-1.2pp |
| Annual return | -16.39% | -5.97%-10.4pp | 572.41%-588.8pp | -7.85%-8.5pp |
| Employer contribution / active EE | $2,493 | $3,382-26.3% | $4,816-48.2% | $2,597-4.0% |
| Participant deferral / active EE | $5,628 | $6,111-7.9% | $7,448-24.4% | $4,028+39.7% |
| Admin fee / account holder | $10,594 | $6,277+68.8% | $10,009+5.8% | $5,403+96.1% |