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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 | $62,248 | $93,124-33.2% | $77,100-19.3% | $134,545-53.7% |
| Participation rate | 37.5% | 74.5%-37.0pp | 67.9%-30.4pp | 81.2%-43.7pp |
| Annual return | -15.59% | 62.68%-78.3pp | 42.35%-57.9pp | 418.37%-434.0pp |
| Employer contribution / active EE | $1,328 | $3,421-61.2% | $2,815-52.8% | $4,742-72.0% |
| Participant deferral / active EE | $3,018 | $5,242-42.4% | $4,430-31.9% | $6,401-52.9% |
| Admin fee / account holder | $5,692 | $6,970-18.3% | $5,443+4.6% | $11,431-50.2% |