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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 | $71,580 | $82,674-13.4% | $125,381-42.9% | $68,486+4.5% |
| Participation rate | 65.5% | 75.1%-9.5pp | 82.4%-16.9pp | 67.9%-2.4pp |
| Annual return | -15.67% | -5.97%-9.7pp | 572.31%-588.0pp | -7.85%-7.8pp |
| Employer contribution / active EE | $2,567 | $3,382-24.1% | $4,815-46.7% | $2,597-1.1% |
| Participant deferral / active EE | $7,352 | $6,111+20.3% | $7,448-1.3% | $4,028+82.5% |
| Admin fee / account holder | $5,230 | $6,277-16.7% | $10,007-47.7% | $5,404-3.2% |