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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 | $70,828 | $44,873+57.8% | $79,466-10.9% | $56,287+25.8% |
| Participation rate | 55.4% | 68.7%-13.3pp | 73.3%-17.9pp | 69.9%-14.4pp |
| Annual return | -6.49% | 0.81%-7.3pp | 718.28%-724.8pp | -9.96%+3.5pp |
| Employer contribution / active EE | $1,759 | $2,140-17.8% | $2,800-37.2% | $2,111-16.7% |
| Participant deferral / active EE | $3,823 | $2,746+39.2% | $3,704+3.2% | $3,350+14.1% |
| Admin fee / account holder | $6,014 | $418+1337.3% | $5,104+17.8% | $521+1054.5% |