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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 | $71,491 | $57,352+24.7% | $83,831-14.7% | $64,173+11.4% |
| Participation rate | 53.6% | 68.6%-15.0pp | 76.1%-22.5pp | 69.6%-15.9pp |
| Annual return | -6.62% | 11.38%-18.0pp | 850.99%-857.6pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,202 | $2,546-52.8% | $3,631-66.9% | $2,381-49.5% |
| Participant deferral / active EE | $2,356 | $2,993-21.3% | $4,082-42.3% | $3,470-32.1% |
| Admin fee / account holder | $523 | $4,046-87.1% | $5,479-90.4% | $4,887-89.3% |