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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 | $67,110 | $49,177+36.5% | $79,467-15.6% | $64,173+4.6% |
| Participation rate | 46.6% | 65.0%-18.5pp | 73.3%-26.8pp | 69.6%-23.0pp |
| Annual return | -5.16% | -1.16%-4.0pp | 718.30%-723.5pp | 7.63%-12.8pp |
| Employer contribution / active EE | $388 | $2,076-81.3% | $2,800-86.1% | $2,381-83.7% |
| Participant deferral / active EE | $2,369 | $2,821-16.0% | $3,704-36.0% | $3,470-31.7% |
| Admin fee / account holder | $5,455 | $3,839+42.1% | $5,104+6.9% | $4,887+11.6% |