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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 | $79,480 | $84,551-6.0% | $61,452+29.3% | $134,532-40.9% |
| Participation rate | 11.8% | 62.2%-50.4pp | 52.6%-40.8pp | 81.2%-69.5pp |
| Annual return | -14.10% | 585.39%-599.5pp | 338.96%-353.1pp | 418.27%-432.4pp |
| Employer contribution / active EE | $442 | $1,545-71.4% | $1,160-61.9% | $4,741-90.7% |
| Participant deferral / active EE | $2,762 | $2,818-2.0% | $2,125+30.0% | $6,401-56.9% |
| Admin fee / account holder | $1,546 | $2,587-40.3% | $2,131-27.5% | $11,429-86.5% |