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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 | $64,404 | $54,370+18.5% | $82,763-22.2% | $68,490-6.0% |
| Participation rate | 51.4% | 63.9%-12.6pp | 72.6%-21.2pp | 67.9%-16.5pp |
| Annual return | -17.56% | -13.67%-3.9pp | 702.45%-720.0pp | -7.85%-9.7pp |
| Employer contribution / active EE | $455 | $2,219-79.5% | $3,008-84.9% | $2,597-82.5% |
| Participant deferral / active EE | $2,445 | $3,247-24.7% | $4,395-44.4% | $4,028-39.3% |
| Admin fee / account holder | $5,730 | $4,398+30.3% | $5,325+7.6% | $5,403+6.1% |