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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 | $71,275 | $84,518-15.7% | $67,704+5.3% | $125,389-43.2% |
| Participation rate | 63.2% | 74.8%-11.6pp | 67.5%-4.4pp | 83.2%-20.0pp |
| Annual return | -2.93% | 2.57%-5.5pp | 25.41%-28.3pp | 282.24%-285.2pp |
| Employer contribution / active EE | $1,098 | $3,292-66.6% | $2,559-57.1% | $4,866-77.4% |
| Participant deferral / active EE | $3,169 | $4,430-28.5% | $3,585-11.6% | $5,352-40.8% |
| Admin fee / account holder | $19,440 | $5,340+264.0% | $4,255+356.9% | $9,541+103.8% |