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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 | $48,060 | $95,895-49.9% | $79,576-39.6% | $134,509-64.3% |
| Participation rate | 44.4% | 75.0%-30.6pp | 69.5%-25.0pp | 81.2%-36.8pp |
| Annual return | -15.49% | -2.72%-12.8pp | 0.15%-15.6pp | 418.13%-433.6pp |
| Employer contribution / active EE | $1,155 | $3,128-63.1% | $2,413-52.1% | $4,741-75.6% |
| Participant deferral / active EE | $2,488 | $4,693-47.0% | $3,985-37.6% | $6,400-61.1% |
| Admin fee / account holder | $424 | $9,129-95.4% | $6,834-93.8% | $11,427-96.3% |