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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 | $84,710 | $82,678+2.5% | $125,391-32.4% | $68,490+23.7% |
| Participation rate | 50.0% | 75.1%-25.1pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -15.94% | -5.97%-10.0pp | 572.41%-588.4pp | -7.85%-8.1pp |
| Employer contribution / active EE | $1,032 | $3,382-69.5% | $4,816-78.6% | $2,597-60.2% |
| Participant deferral / active EE | $3,061 | $6,111-49.9% | $7,448-58.9% | $4,028-24.0% |
| Admin fee / account holder | $14,817 | $6,277+136.0% | $10,009+48.0% | $5,403+174.2% |