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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 | $51,135 | $43,730+16.9% | $121,220-57.8% | $64,173-20.3% |
| Participation rate | 57.4% | 58.3%-0.9pp | 71.8%-14.4pp | 69.6%-12.2pp |
| Annual return | -6.30% | 68.94%-75.2pp | 16.94%-23.2pp | 7.63%-13.9pp |
| Employer contribution / active EE | $363 | $1,297-72.0% | $4,023-91.0% | $2,381-84.7% |
| Participant deferral / active EE | $2,068 | $2,281-9.3% | $3,345-38.2% | $3,470-40.4% |
| Admin fee / account holder | $2,219 | $3,502-36.6% | $5,021-55.8% | $4,887-54.6% |