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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 | $41,672 | $57,352-27.3% | $83,831-50.3% | $64,173-35.1% |
| Participation rate | 60.0% | 68.6%-8.6pp | 76.1%-16.1pp | 69.6%-9.6pp |
| Annual return | -4.77% | 11.38%-16.2pp | 850.99%-855.8pp | 7.63%-12.4pp |
| Employer contribution / active EE | $666 | $2,546-73.8% | $3,631-81.7% | $2,381-72.0% |
| Participant deferral / active EE | $1,814 | $2,993-39.4% | $4,082-55.6% | $3,470-47.7% |
| Admin fee / account holder | $4,162 | $4,046+2.9% | $5,479-24.0% | $4,887-14.9% |