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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 | $41,789 | $100,805-58.5% | $86,698-51.8% | $134,532-68.9% |
| Participation rate | 38.5% | 79.0%-40.5pp | 76.6%-38.1pp | 81.2%-42.8pp |
| Annual return | -16.78% | 29.09%-45.9pp | 35.95%-52.7pp | 418.27%-435.0pp |
| Employer contribution / active EE | $1,061 | $3,490-69.6% | $2,837-62.6% | $4,741-77.6% |
| Participant deferral / active EE | $2,244 | $5,339-58.0% | $4,656-51.8% | $6,401-64.9% |
| Admin fee / account holder | $1,164 | $10,925-89.3% | $7,493-84.5% | $11,429-89.8% |