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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 | $79,741 | $82,674-3.5% | $125,381-36.4% | $68,486+16.4% |
| Participation rate | 69.6% | 75.1%-5.5pp | 82.4%-12.8pp | 67.9%+1.7pp |
| Annual return | -17.49% | -5.97%-11.5pp | 572.31%-589.8pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,593 | $3,382-23.3% | $4,815-46.1% | $2,597-0.1% |
| Participant deferral / active EE | $4,124 | $6,111-32.5% | $7,448-44.6% | $4,028+2.4% |
| Admin fee / account holder | $4,474 | $6,277-28.7% | $10,007-55.3% | $5,404-17.2% |