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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 | $56,232 | $57,352-2.0% | $83,830-32.9% | $64,173-12.4% |
| Participation rate | 47.1% | 68.6%-21.5pp | 76.1%-29.1pp | 69.6%-22.5pp |
| Annual return | -8.05% | 11.38%-19.4pp | 850.97%-859.0pp | 7.63%-15.7pp |
| Employer contribution / active EE | $1,850 | $2,546-27.3% | $3,631-49.1% | $2,381-22.3% |
| Participant deferral / active EE | $4,177 | $2,993+39.6% | $4,082+2.3% | $3,470+20.4% |
| Admin fee / account holder | $929 | $4,046-77.1% | $5,479-83.1% | $4,887-81.0% |