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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 | $71,798 | $54,370+32.1% | $82,763-13.2% | $68,490+4.8% |
| Participation rate | 36.3% | 63.9%-27.7pp | 72.6%-36.3pp | 67.9%-31.6pp |
| Annual return | -12.89% | -13.67%+0.8pp | 702.45%-715.3pp | -7.85%-5.0pp |
| Employer contribution / active EE | $1,054 | $2,219-52.5% | $3,008-65.0% | $2,597-59.4% |
| Participant deferral / active EE | $2,330 | $3,247-28.3% | $4,395-47.0% | $4,028-42.2% |
| Admin fee / account holder | $17,108 | $4,398+289.0% | $5,325+221.3% | $5,403+216.6% |