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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 | $40,357 | $117,777-65.7% | $71,778-43.8% | $134,545-70.0% |
| Participation rate | 62.5% | 68.9%-6.4pp | 62.3%+0.2pp | 81.2%-18.7pp |
| Annual return | -12.86% | 25.46%-38.3pp | 9.15%-22.0pp | 418.37%-431.2pp |
| Employer contribution / active EE | $2,024 | $2,525-19.9% | $1,704+18.7% | $4,742-57.3% |
| Participant deferral / active EE | $5,486 | $3,756+46.1% | $2,656+106.5% | $6,401-14.3% |
| Admin fee / account holder | $3,227 | $6,379-49.4% | $3,974-18.8% | $11,431-71.8% |