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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 | $70,182 | $53,546+31.1% | $69,890+0.4% | $68,490+2.5% |
| Participation rate | 45.2% | 64.5%-19.4pp | 70.5%-25.3pp | 67.9%-22.7pp |
| Annual return | -16.21% | -13.87%-2.3pp | 190.84%-207.1pp | -7.85%-8.4pp |
| Employer contribution / active EE | $722 | $2,019-64.3% | $2,560-71.8% | $2,597-72.2% |
| Participant deferral / active EE | $2,043 | $2,957-30.9% | $3,848-46.9% | $4,028-49.3% |
| Admin fee / account holder | $14,175 | $4,693+202.1% | $6,267+126.2% | $5,403+162.4% |