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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 | $59,908 | $69,012-13.2% | $160,037-62.6% | $68,490-12.5% |
| Participation rate | 69.2% | 65.4%+3.8pp | 78.0%-8.8pp | 67.9%+1.3pp |
| Annual return | -18.30% | -9.65%-8.6pp | 408.95%-427.3pp | -7.85%-10.4pp |
| Employer contribution / active EE | $3,043 | $2,212+37.5% | $4,226-28.0% | $2,597+17.2% |
| Participant deferral / active EE | $3,884 | $4,212-7.8% | $6,184-37.2% | $4,028-3.6% |
| Admin fee / account holder | $3,429 | $4,798-28.5% | $8,716-60.7% | $5,403-36.5% |