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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 | $68,976 | $100,811-31.6% | $86,698-20.4% | $134,545-48.7% |
| Participation rate | 68.4% | 79.0%-10.5pp | 76.6%-8.2pp | 81.2%-12.8pp |
| Annual return | -13.49% | 29.11%-42.6pp | 35.96%-49.5pp | 418.37%-431.9pp |
| Employer contribution / active EE | $1,687 | $3,490-51.7% | $2,837-40.5% | $4,742-64.4% |
| Participant deferral / active EE | $3,112 | $5,339-41.7% | $4,656-33.2% | $6,401-51.4% |
| Admin fee / account holder | $21,598 | $10,926+97.7% | $7,492+188.3% | $11,431+89.0% |