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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 | $67,576 | $57,352+17.8% | $83,830-19.4% | $64,173+5.3% |
| Participation rate | 40.7% | 68.6%-27.9pp | 76.1%-35.4pp | 69.6%-28.8pp |
| Annual return | -7.15% | 11.38%-18.5pp | 850.97%-858.1pp | 7.63%-14.8pp |
| Employer contribution / active EE | $892 | $2,546-65.0% | $3,631-75.4% | $2,381-62.5% |
| Participant deferral / active EE | $1,459 | $2,993-51.3% | $4,082-64.3% | $3,470-58.0% |
| Admin fee / account holder | $11,181 | $4,046+176.3% | $5,479+104.1% | $4,887+128.8% |