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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 | $48,922 | $100,772-51.5% | $86,690-43.6% | $134,493-63.6% |
| Participation rate | 30.8% | 78.9%-48.2pp | 76.6%-45.8pp | 81.2%-50.5pp |
| Annual return | -18.19% | 29.06%-47.3pp | 35.93%-54.1pp | 418.01%-436.2pp |
| Employer contribution / active EE | $1,378 | $3,490-60.5% | $2,837-51.4% | $4,740-70.9% |
| Participant deferral / active EE | $3,944 | $5,338-26.1% | $4,656-15.3% | $6,400-38.4% |
| Admin fee / account holder | $730 | $10,920-93.3% | $7,490-90.2% | $11,425-93.6% |