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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 | $53,098 | $32,117+65.3% | $71,089-25.3% | $64,173-17.3% |
| Participation rate | 50.9% | 42.7%+8.2pp | 54.6%-3.7pp | 69.6%-18.6pp |
| Annual return | -6.28% | -5.57%-0.7pp | 650.65%-656.9pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,084 | $712+52.1% | $1,088-0.4% | $2,381-54.5% |
| Participant deferral / active EE | $2,206 | $1,263+74.7% | $1,873+17.8% | $3,470-36.4% |
| Admin fee / account holder | $566 | $2,759-79.5% | $3,082-81.6% | $4,887-88.4% |