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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 | $110,442 | $68,996+60.1% | $159,991-31.0% | $68,495+61.2% |
| Participation rate | 51.4% | 65.4%-14.0pp | 78.0%-26.5pp | 67.9%-16.5pp |
| Annual return | -18.95% | -9.65%-9.3pp | 408.82%-427.8pp | -7.84%-11.1pp |
| Employer contribution / active EE | $475 | $2,212-78.5% | $4,225-88.8% | $2,596-81.7% |
| Participant deferral / active EE | $3,283 | $4,211-22.0% | $6,183-46.9% | $4,028-18.5% |
| Admin fee / account holder | $4,149 | $4,797-13.5% | $8,715-52.4% | $5,403-23.2% |