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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 | $90,746 | $54,370+66.9% | $82,763+9.6% | $68,490+32.5% |
| Participation rate | 65.5% | 63.9%+1.6pp | 72.6%-7.0pp | 67.9%-2.4pp |
| Annual return | -15.98% | -13.67%-2.3pp | 702.45%-718.4pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,781 | $2,219-19.8% | $3,008-40.8% | $2,597-31.4% |
| Participant deferral / active EE | $3,790 | $3,247+16.7% | $4,395-13.8% | $4,028-5.9% |
| Admin fee / account holder | $1,679 | $4,398-61.8% | $5,325-68.5% | $5,403-68.9% |