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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 | $46,641 | $82,674-43.6% | $125,363-62.8% | $68,495-31.9% |
| Participation rate | 65.4% | 75.0%-9.7pp | 82.4%-17.0pp | 67.9%-2.5pp |
| Annual return | -18.43% | -5.97%-12.5pp | 572.15%-590.6pp | -7.84%-10.6pp |
| Employer contribution / active EE | $2,578 | $3,382-23.8% | $4,815-46.5% | $2,596-0.7% |
| Participant deferral / active EE | $6,924 | $6,111+13.3% | $7,447-7.0% | $4,028+71.9% |
| Admin fee / account holder | $11,998 | $6,276+91.2% | $10,005+19.9% | $5,403+122.1% |