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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 | $42,794 | $82,674-48.2% | $125,363-65.9% | $68,495-37.5% |
| Participation rate | 41.7% | 75.0%-33.4pp | 82.4%-40.7pp | 67.9%-26.2pp |
| Annual return | -14.80% | -5.97%-8.8pp | 572.15%-587.0pp | -7.84%-7.0pp |
| Employer contribution / active EE | $2,351 | $3,382-30.5% | $4,815-51.2% | $2,596-9.5% |
| Participant deferral / active EE | $4,654 | $6,111-23.8% | $7,447-37.5% | $4,028+15.6% |
| Admin fee / account holder | $4,239 | $6,276-32.5% | $10,005-57.6% | $5,403-21.6% |