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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 | $80,661 | $72,404+11.4% | $110,243-26.8% | $64,173+25.7% |
| Participation rate | 64.2% | 73.3%-9.1pp | 79.8%-15.6pp | 69.6%-5.4pp |
| Annual return | -2.97% | -6.29%+3.3pp | 314.76%-317.7pp | 7.63%-10.6pp |
| Employer contribution / active EE | $1,198 | $2,282-47.5% | $3,827-68.7% | $2,381-49.7% |
| Participant deferral / active EE | $3,454 | $3,469-0.4% | $4,672-26.1% | $3,470-0.5% |
| Admin fee / account holder | $10,118 | $5,664+78.6% | $8,548+18.4% | $4,887+107.0% |