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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 | $44,612 | $72,177-38.2% | $115,038-61.2% | $59,633-25.2% |
| Participation rate | 56.1% | 72.6%-16.5pp | 81.4%-25.3pp | 68.7%-12.6pp |
| Annual return | -1.68% | 12.02%-13.7pp | 26.14%-27.8pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $1,827 | $2,841-35.7% | $4,608-60.4% | $2,203-17.1% |
| Participant deferral / active EE | $3,272 | $4,783-31.6% | $6,026-45.7% | $3,192+2.5% |
| Admin fee / account holder | $11,263 | $4,927+128.6% | $8,175+37.8% | $4,297+162.1% |