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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 | $60,497 | $82,674-26.8% | $125,363-51.7% | $68,495-11.7% |
| Participation rate | 59.2% | 75.0%-15.9pp | 82.4%-23.2pp | 67.9%-8.7pp |
| Annual return | -15.77% | -5.97%-9.8pp | 572.15%-587.9pp | -7.84%-7.9pp |
| Employer contribution / active EE | $2,223 | $3,382-34.2% | $4,815-53.8% | $2,596-14.4% |
| Participant deferral / active EE | $4,391 | $6,111-28.1% | $7,447-41.0% | $4,028+9.0% |
| Admin fee / account holder | $29,078 | $6,276+363.3% | $10,005+190.6% | $5,403+438.2% |