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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 | $24,487 | $82,674-70.4% | $125,363-80.5% | $68,495-64.3% |
| Participation rate | 68.8% | 75.0%-6.2pp | 82.4%-13.6pp | 67.9%+0.9pp |
| Annual return | -17.30% | -5.97%-11.3pp | 572.15%-589.4pp | -7.84%-9.5pp |
| Employer contribution / active EE | $1,426 | $3,382-57.8% | $4,815-70.4% | $2,596-45.1% |
| Participant deferral / active EE | $4,316 | $6,111-29.4% | $7,447-42.0% | $4,028+7.2% |
| Admin fee / account holder | $1,039 | $6,276-83.4% | $10,005-89.6% | $5,403-80.8% |