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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 | $73,749 | $82,674-10.8% | $125,381-41.2% | $68,486+7.7% |
| Participation rate | 58.1% | 75.1%-16.9pp | 82.4%-24.3pp | 67.9%-9.8pp |
| Annual return | -16.57% | -5.97%-10.6pp | 572.31%-588.9pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,330 | $3,382-31.1% | $4,815-51.6% | $2,597-10.3% |
| Participant deferral / active EE | $5,391 | $6,111-11.8% | $7,448-27.6% | $4,028+33.8% |
| Admin fee / account holder | $2,194 | $6,277-65.1% | $10,007-78.1% | $5,404-59.4% |