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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 | $70,813 | $91,537-22.6% | $130,045-45.5% | $75,173-5.8% |
| Participation rate | 47.8% | 71.5%-23.7pp | 78.5%-30.7pp | 67.2%-19.4pp |
| Annual return | 19.21% | -631.55%+650.8pp | -137.30%+156.5pp | 160.72%-141.5pp |
| Employer contribution / active EE | $785 | $2,845-72.4% | $4,321-81.8% | $2,671-70.6% |
| Participant deferral / active EE | $5,127 | $4,343+18.1% | $5,820-11.9% | $4,126+24.3% |
| Admin fee / account holder | $897 | $6,780-86.8% | $10,600-91.5% | $5,651-84.1% |