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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 | $61,666 | $57,352+7.5% | $83,831-26.4% | $64,173-3.9% |
| Participation rate | 28.8% | 68.6%-39.8pp | 76.1%-47.3pp | 69.6%-40.7pp |
| Annual return | -5.14% | 11.38%-16.5pp | 850.99%-856.1pp | 7.63%-12.8pp |
| Employer contribution / active EE | $1,138 | $2,546-55.3% | $3,631-68.7% | $2,381-52.2% |
| Participant deferral / active EE | $2,026 | $2,993-32.3% | $4,082-50.4% | $3,470-41.6% |
| Admin fee / account holder | $7,105 | $4,046+75.6% | $5,479+29.7% | $4,887+45.4% |