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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 | $44,879 | $197,819-77.3% | $155,789-71.2% | $125,389-64.2% |
| Participation rate | 42.9% | 82.1%-39.2pp | 76.1%-33.2pp | 83.2%-40.3pp |
| Annual return | -1.73% | 86.73%-88.5pp | 71.54%-73.3pp | 282.24%-284.0pp |
| Employer contribution / active EE | $2,272 | $4,850-53.2% | $3,839-40.8% | $4,866-53.3% |
| Participant deferral / active EE | $4,434 | $5,631-21.3% | $4,798-7.6% | $5,352-17.1% |
| Admin fee / account holder | $5,598 | $9,544-41.3% | $7,477-25.1% | $9,541-41.3% |