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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 | $65,238 | $27,632+136.1% | $61,452+6.2% | $68,486-4.7% |
| Participation rate | 22.1% | 39.5%-17.4pp | 52.6%-30.5pp | 67.9%-45.8pp |
| Annual return | -17.50% | -13.24%-4.3pp | 338.96%-356.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $867 | $696+24.7% | $1,160-25.2% | $2,597-66.6% |
| Participant deferral / active EE | $923 | $1,264-27.0% | $2,125-56.6% | $4,028-77.1% |
| Admin fee / account holder | $3,230 | $2,010+60.7% | $2,131+51.6% | $5,404-40.2% |