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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 | $16,098 | $93,124-82.7% | $77,100-79.1% | $134,545-88.0% |
| Participation rate | 66.7% | 74.5%-7.8pp | 67.9%-1.3pp | 81.2%-14.6pp |
| Annual return | -12.64% | 62.68%-75.3pp | 42.35%-55.0pp | 418.37%-431.0pp |
| Employer contribution / active EE | $1,333 | $3,421-61.0% | $2,815-52.6% | $4,742-71.9% |
| Participant deferral / active EE | $2,833 | $5,242-45.9% | $4,430-36.0% | $6,401-55.7% |
| Admin fee / account holder | $15,640 | $6,970+124.4% | $5,443+187.3% | $11,431+36.8% |