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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 | $49,006 | $75,962-35.5% | $154,111-68.2% | $64,173-23.6% |
| Participation rate | 46.9% | 70.4%-23.5pp | 83.0%-36.2pp | 69.6%-22.7pp |
| Annual return | -6.01% | 30.32%-36.3pp | 735.18%-741.2pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,888 | $3,350-43.6% | $5,298-64.4% | $2,381-20.7% |
| Participant deferral / active EE | $2,903 | $3,175-8.6% | $5,081-42.9% | $3,470-16.3% |
| Admin fee / account holder | $4,915 | $5,589-12.1% | $13,411-63.4% | $4,887+0.6% |