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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 | $78,681 | $91,537-14.0% | $130,045-39.5% | $75,173+4.7% |
| Participation rate | 61.5% | 71.5%-9.9pp | 78.5%-17.0pp | 67.2%-5.7pp |
| Annual return | 14.32% | -631.55%+645.9pp | -137.30%+151.6pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,367 | $2,845-51.9% | $4,321-68.4% | $2,671-48.8% |
| Participant deferral / active EE | $4,086 | $4,343-5.9% | $5,820-29.8% | $4,126-1.0% |
| Admin fee / account holder | $15,773 | $6,780+132.6% | $10,600+48.8% | $5,651+179.1% |