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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 | $39,132 | $57,352-31.8% | $83,831-53.3% | $64,173-39.0% |
| Participation rate | 64.6% | 68.6%-4.0pp | 76.1%-11.6pp | 69.6%-5.0pp |
| Annual return | -7.41% | 11.38%-18.8pp | 850.99%-858.4pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,916 | $2,546-24.7% | $3,631-47.2% | $2,381-19.5% |
| Participant deferral / active EE | $3,628 | $2,993+21.2% | $4,082-11.1% | $3,470+4.6% |
| Admin fee / account holder | $1,233 | $4,046-69.5% | $5,479-77.5% | $4,887-74.8% |