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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 | $50,737 | $27,639+83.6% | $61,501-17.5% | $68,490-25.9% |
| Participation rate | 57.7% | 39.5%+18.2pp | 52.6%+5.1pp | 67.9%-10.2pp |
| Annual return | -19.82% | -13.19%-6.6pp | 339.04%-358.9pp | -7.85%-12.0pp |
| Employer contribution / active EE | $367 | $696-47.3% | $1,160-68.3% | $2,597-85.9% |
| Participant deferral / active EE | $1,218 | $1,264-3.6% | $2,125-42.7% | $4,028-69.8% |
| Admin fee / account holder | $5,448 | $2,012+170.7% | $2,132+155.6% | $5,403+0.8% |