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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 | $116,818 | $54,370+114.9% | $82,763+41.1% | $68,490+70.6% |
| Participation rate | 55.6% | 63.9%-8.4pp | 72.6%-17.0pp | 67.9%-12.3pp |
| Annual return | -18.08% | -13.67%-4.4pp | 702.45%-720.5pp | -7.85%-10.2pp |
| Employer contribution / active EE | $1,497 | $2,219-32.5% | $3,008-50.2% | $2,597-42.4% |
| Participant deferral / active EE | $2,751 | $3,247-15.3% | $4,395-37.4% | $4,028-31.7% |
| Admin fee / account holder | $840 | $4,398-80.9% | $5,325-84.2% | $5,403-84.5% |