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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 | $33,121 | $27,639+19.8% | $61,501-46.1% | $68,490-51.6% |
| Participation rate | 41.9% | 39.5%+2.4pp | 52.6%-10.6pp | 67.9%-26.0pp |
| Annual return | -18.12% | -13.19%-4.9pp | 339.04%-357.2pp | -7.85%-10.3pp |
| Employer contribution / active EE | $950 | $696+36.6% | $1,160-18.0% | $2,597-63.4% |
| Participant deferral / active EE | $3,169 | $1,264+150.8% | $2,125+49.2% | $4,028-21.3% |
| Admin fee / account holder | $4,831 | $2,012+140.1% | $2,132+126.6% | $5,403-10.6% |