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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 | $56,571 | $27,639+104.7% | $61,501-8.0% | $68,490-17.4% |
| Participation rate | 51.4% | 39.5%+11.8pp | 52.6%-1.2pp | 67.9%-16.5pp |
| Annual return | -18.56% | -13.19%-5.4pp | 339.04%-357.6pp | -7.85%-10.7pp |
| Employer contribution / active EE | $1,146 | $696+64.6% | $1,160-1.2% | $2,597-55.9% |
| Participant deferral / active EE | $2,053 | $1,264+62.5% | $2,125-3.4% | $4,028-49.0% |
| Admin fee / account holder | $2,911 | $2,012+44.7% | $2,132+36.6% | $5,403-46.1% |