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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 | $58,338 | $57,352+1.7% | $83,830-30.4% | $64,173-9.1% |
| Participation rate | 44.6% | 68.6%-24.0pp | 76.1%-31.6pp | 69.6%-25.0pp |
| Annual return | -7.59% | 11.38%-19.0pp | 850.97%-858.6pp | 7.63%-15.2pp |
| Employer contribution / active EE | $1,791 | $2,546-29.6% | $3,631-50.7% | $2,381-24.8% |
| Participant deferral / active EE | $3,658 | $2,993+22.2% | $4,082-10.4% | $3,470+5.4% |
| Admin fee / account holder | $767 | $4,046-81.1% | $5,479-86.0% | $4,887-84.3% |