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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 | $95,953 | $69,012+39.0% | $160,009-40.0% | $68,486+40.1% |
| Participation rate | 55.0% | 65.4%-10.4pp | 78.0%-23.0pp | 67.9%-12.9pp |
| Annual return | -16.48% | -9.65%-6.8pp | 408.85%-425.3pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,789 | $2,212-19.1% | $4,225-57.7% | $2,597-31.1% |
| Participant deferral / active EE | $4,626 | $4,212+9.8% | $6,183-25.2% | $4,028+14.9% |
| Admin fee / account holder | $3,426 | $4,798-28.6% | $8,715-60.7% | $5,404-36.6% |