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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 | $75,475 | $82,674-8.7% | $125,358-39.8% | $68,498+10.2% |
| Participation rate | 52.3% | 75.0%-22.7pp | 82.4%-30.1pp | 67.9%-15.6pp |
| Annual return | -11.66% | -5.97%-5.7pp | 572.03%-583.7pp | -7.84%-3.8pp |
| Employer contribution / active EE | $1,842 | $3,381-45.5% | $4,814-61.7% | $2,596-29.0% |
| Participant deferral / active EE | $5,737 | $6,111-6.1% | $7,447-23.0% | $4,027+42.5% |
| Admin fee / account holder | $7,345 | $6,276+17.0% | $10,007-26.6% | $5,403+35.9% |