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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 | $63,927 | $50,199+27.3% | $69,884-8.5% | $66,938-4.5% |
| Participation rate | 26.8% | 66.3%-39.5pp | 70.5%-43.6pp | 69.8%-43.0pp |
| Annual return | -16.74% | -13.85%-2.9pp | 190.81%-207.6pp | 1.58%-18.3pp |
| Employer contribution / active EE | $888 | $1,864-52.4% | $2,560-65.3% | $2,545-65.1% |
| Participant deferral / active EE | $1,653 | $3,112-46.9% | $3,848-57.0% | $4,238-61.0% |
| Admin fee / account holder | $4,246 | $600+607.9% | $6,266-32.3% | $594+615.3% |