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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 | $82,270 | $95,915-14.2% | $79,580+3.4% | $134,532-38.8% |
| Participation rate | 47.1% | 75.0%-28.0pp | 69.5%-22.4pp | 81.2%-34.2pp |
| Annual return | -14.03% | -2.71%-11.3pp | 0.15%-14.2pp | 418.27%-432.3pp |
| Employer contribution / active EE | $1,200 | $3,129-61.6% | $2,413-50.3% | $4,741-74.7% |
| Participant deferral / active EE | $2,675 | $4,693-43.0% | $3,985-32.9% | $6,401-58.2% |
| Admin fee / account holder | $1,447 | $9,132-84.2% | $6,835-78.8% | $11,429-87.3% |