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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 | $44,205 | $69,012-35.9% | $160,009-72.4% | $68,486-35.5% |
| Participation rate | 40.0% | 65.4%-25.4pp | 78.0%-38.0pp | 67.9%-27.9pp |
| Annual return | -16.19% | -9.65%-6.5pp | 408.85%-425.0pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,204 | $2,212-45.6% | $4,225-71.5% | $2,597-53.6% |
| Participant deferral / active EE | $1,797 | $4,212-57.3% | $6,183-70.9% | $4,028-55.4% |
| Admin fee / account holder | $3,068 | $4,798-36.1% | $8,715-64.8% | $5,404-43.2% |