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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 | $74,116 | $27,639+168.2% | $61,501+20.5% | $68,490+8.2% |
| Participation rate | 60.0% | 39.5%+20.5pp | 52.6%+7.4pp | 67.9%-7.9pp |
| Annual return | -17.41% | -13.19%-4.2pp | 339.04%-356.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,224 | $696+75.9% | $1,160+5.6% | $2,597-52.8% |
| Participant deferral / active EE | $1,515 | $1,264+19.9% | $2,125-28.7% | $4,028-62.4% |
| Admin fee / account holder | $1,239 | $2,012-38.4% | $2,132-41.9% | $5,403-77.1% |