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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 | $85,626 | $27,632+209.9% | $61,452+39.3% | $68,486+25.0% |
| Participation rate | 40.4% | 39.5%+0.9pp | 52.6%-12.1pp | 67.9%-27.5pp |
| Annual return | -20.76% | -13.24%-7.5pp | 338.96%-359.7pp | -7.85%-12.9pp |
| Employer contribution / active EE | $477 | $696-31.5% | $1,160-58.9% | $2,597-81.6% |
| Participant deferral / active EE | $1,427 | $1,264+13.0% | $2,125-32.8% | $4,028-64.6% |
| Admin fee / account holder | $1,478 | $2,010-26.5% | $2,131-30.6% | $5,404-72.6% |