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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 | $69,556 | $99,032-29.8% | $80,022-13.1% | $135,379-48.6% |
| Participation rate | 60.0% | 78.4%-18.4pp | 75.8%-15.8pp | 82.6%-22.6pp |
| Annual return | -3.48% | 15.39%-18.9pp | 11.22%-14.7pp | 519.79%-523.3pp |
| Employer contribution / active EE | $1,586 | $3,043-47.9% | $2,468-35.7% | $4,779-66.8% |
| Participant deferral / active EE | $4,537 | $4,282+5.9% | $3,686+23.1% | $5,609-19.1% |
| Admin fee / account holder | $930 | $10,436-91.1% | $6,521-85.7% | $10,828-91.4% |