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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 | $44,559 | $133,981-66.7% | $112,249-60.3% | $134,532-66.9% |
| Participation rate | 55.0% | 78.6%-23.6pp | 75.1%-20.1pp | 81.2%-26.2pp |
| Annual return | -16.82% | 47.16%-64.0pp | 27.48%-44.3pp | 418.27%-435.1pp |
| Employer contribution / active EE | $2,016 | $4,040-50.1% | $3,636-44.5% | $4,741-57.5% |
| Participant deferral / active EE | $5,764 | $5,292+8.9% | $4,729+21.9% | $6,401-10.0% |
| Admin fee / account holder | $2,223 | $7,492-70.3% | $6,412-65.3% | $11,429-80.6% |