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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 | $81,661 | $82,674-1.2% | $125,363-34.9% | $68,495+19.2% |
| Participation rate | 52.0% | 75.0%-23.0pp | 82.4%-30.4pp | 67.9%-15.9pp |
| Annual return | -17.37% | -5.97%-11.4pp | 572.15%-589.5pp | -7.84%-9.5pp |
| Employer contribution / active EE | $1,485 | $3,382-56.1% | $4,815-69.2% | $2,596-42.8% |
| Participant deferral / active EE | $4,001 | $6,111-34.5% | $7,447-46.3% | $4,028-0.7% |
| Admin fee / account holder | $3,164 | $6,276-49.6% | $10,005-68.4% | $5,403-41.4% |