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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 | $48,853 | $82,678-40.9% | $125,391-61.0% | $68,490-28.7% |
| Participation rate | 39.4% | 75.1%-35.6pp | 82.4%-42.9pp | 67.9%-28.5pp |
| Annual return | -2.04% | -5.97%+3.9pp | 572.41%-574.5pp | -7.85%+5.8pp |
| Employer contribution / active EE | $1,561 | $3,382-53.8% | $4,816-67.6% | $2,597-39.9% |
| Participant deferral / active EE | $5,608 | $6,111-8.2% | $7,448-24.7% | $4,028+39.2% |
| Admin fee / account holder | $8,526 | $6,277+35.8% | $10,009-14.8% | $5,403+57.8% |