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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 | $125,139 | $53,546+133.7% | $69,884+79.1% | $68,486+82.7% |
| Participation rate | 26.3% | 64.5%-38.2pp | 70.5%-44.2pp | 67.9%-41.6pp |
| Annual return | -14.25% | -13.87%-0.4pp | 190.81%-205.1pp | -7.85%-6.4pp |
| Employer contribution / active EE | $708 | $2,019-64.9% | $2,560-72.3% | $2,597-72.7% |
| Participant deferral / active EE | $1,310 | $2,957-55.7% | $3,848-65.9% | $4,028-67.5% |
| Admin fee / account holder | $6,067 | $4,693+29.3% | $6,266-3.2% | $5,404+12.3% |