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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 | $86,014 | $75,959+13.2% | $154,114-44.2% | $64,181+34.0% |
| Participation rate | 32.3% | 70.4%-38.2pp | 83.0%-50.8pp | 69.6%-37.3pp |
| Annual return | -4.75% | 30.32%-35.1pp | 735.16%-739.9pp | 7.63%-12.4pp |
| Employer contribution / active EE | $6,445 | $3,350+92.4% | $5,298+21.7% | $2,381+170.7% |
| Participant deferral / active EE | $4,631 | $3,175+45.9% | $5,081-8.8% | $3,470+33.5% |
| Admin fee / account holder | $504 | $5,589-91.0% | $13,411-96.2% | $4,887-89.7% |