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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 | $64,344 | $75,962-15.3% | $154,111-58.2% | $64,173+0.3% |
| Participation rate | 53.7% | 70.4%-16.7pp | 83.0%-29.3pp | 69.6%-15.9pp |
| Annual return | -3.25% | 30.32%-33.6pp | 735.18%-738.4pp | 7.63%-10.9pp |
| Employer contribution / active EE | $6,585 | $3,350+96.6% | $5,298+24.3% | $2,381+176.6% |
| Participant deferral / active EE | $4,739 | $3,175+49.3% | $5,081-6.7% | $3,470+36.6% |
| Admin fee / account holder | $14,560 | $5,589+160.5% | $13,411+8.6% | $4,887+197.9% |