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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 | $45,253 | $72,404-37.5% | $110,243-59.0% | $64,173-29.5% |
| Participation rate | 60.2% | 73.3%-13.1pp | 79.8%-19.6pp | 69.6%-9.4pp |
| Annual return | -6.70% | -6.29%-0.4pp | 314.76%-321.5pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,238 | $2,282-45.7% | $3,827-67.6% | $2,381-48.0% |
| Participant deferral / active EE | $2,788 | $3,469-19.7% | $4,672-40.3% | $3,470-19.7% |
| Admin fee / account holder | $4,341 | $5,664-23.4% | $8,548-49.2% | $4,887-11.2% |