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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 | $69,012+60.0% | $160,009-31.0% | $68,486+61.3% |
| Participation rate | 51.4% | 65.4%-14.0pp | 78.0%-26.6pp | 67.9%-16.5pp |
| Annual return | -18.95% | -9.65%-9.3pp | 408.85%-427.8pp | -7.85%-11.1pp |
| Employer contribution / active EE | $475 | $2,212-78.5% | $4,225-88.8% | $2,597-81.7% |
| Participant deferral / active EE | $3,283 | $4,212-22.1% | $6,183-46.9% | $4,028-18.5% |
| Admin fee / account holder | $4,149 | $4,798-13.5% | $8,715-52.4% | $5,404-23.2% |