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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 | $71,668 | $105,866-32.3% | $90,766-21.0% | $134,545-46.7% |
| Participation rate | 55.0% | 78.3%-23.3pp | 75.7%-20.7pp | 81.2%-26.2pp |
| Annual return | -15.16% | -10.99%-4.2pp | -12.16%-3.0pp | 418.37%-433.5pp |
| Employer contribution / active EE | $1,305 | $3,464-62.3% | $2,922-55.3% | $4,742-72.5% |
| Participant deferral / active EE | $3,082 | $5,217-40.9% | $4,565-32.5% | $6,401-51.9% |
| Admin fee / account holder | $10,413 | $13,938-25.3% | $8,446+23.3% | $11,431-8.9% |