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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 | $69,041 | $68,996+0.1% | $159,991-56.8% | $68,495+0.8% |
| Participation rate | 44.4% | 65.4%-21.0pp | 78.0%-33.5pp | 67.9%-23.4pp |
| Annual return | -17.39% | -9.65%-7.7pp | 408.82%-426.2pp | -7.84%-9.5pp |
| Employer contribution / active EE | $721 | $2,212-67.4% | $4,225-82.9% | $2,596-72.2% |
| Participant deferral / active EE | $1,884 | $4,211-55.3% | $6,183-69.5% | $4,028-53.2% |
| Admin fee / account holder | $8,177 | $4,797+70.5% | $8,715-6.2% | $5,403+51.3% |