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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 | $82,674+2.5% | $125,358-32.4% | $68,498+23.7% |
| Participation rate | 50.0% | 75.0%-25.0pp | 82.4%-32.4pp | 67.9%-17.9pp |
| Annual return | -15.94% | -5.97%-10.0pp | 572.03%-588.0pp | -7.84%-8.1pp |
| Employer contribution / active EE | $1,032 | $3,381-69.5% | $4,814-78.6% | $2,596-60.2% |
| Participant deferral / active EE | $3,061 | $6,111-49.9% | $7,447-58.9% | $4,027-24.0% |
| Admin fee / account holder | $14,817 | $6,276+136.1% | $10,007+48.1% | $5,403+174.2% |