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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 | $88,801 | $69,012+28.7% | $160,009-44.5% | $68,486+29.7% |
| Participation rate | 63.2% | 65.4%-2.2pp | 78.0%-14.7pp | 67.9%-4.7pp |
| Annual return | -16.89% | -9.65%-7.2pp | 408.85%-425.7pp | -7.85%-9.0pp |
| Employer contribution / active EE | $685 | $2,212-69.0% | $4,225-83.8% | $2,597-73.6% |
| Participant deferral / active EE | $6,853 | $4,212+62.7% | $6,183+10.8% | $4,028+70.2% |
| Admin fee / account holder | $9,893 | $4,798+106.2% | $8,715+13.5% | $5,404+83.1% |