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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 | $87,860 | $27,632+218.0% | $61,452+43.0% | $68,486+28.3% |
| Participation rate | 19.6% | 39.5%-19.9pp | 52.6%-33.0pp | 67.9%-48.3pp |
| Annual return | -12.27% | -13.24%+1.0pp | 338.96%-351.2pp | -7.85%-4.4pp |
| Employer contribution / active EE | $730 | $696+4.9% | $1,160-37.0% | $2,597-71.9% |
| Participant deferral / active EE | $2,082 | $1,264+64.8% | $2,125-2.0% | $4,028-48.3% |
| Admin fee / account holder | $1,099 | $2,010-45.4% | $2,131-48.4% | $5,404-79.7% |