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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 | $53,386 | $75,935-29.7% | $60,547-11.8% | $125,388-57.4% |
| Participation rate | 60.0% | 76.5%-16.5pp | 68.0%-8.0pp | 83.2%-23.2pp |
| Annual return | -0.34% | -5.38%+5.0pp | 335.64%-336.0pp | 282.24%-282.6pp |
| Employer contribution / active EE | $2,057 | $3,438-40.2% | $2,419-15.0% | $4,866-57.7% |
| Participant deferral / active EE | $4,961 | $4,506+10.1% | $3,328+49.1% | $5,352-7.3% |
| Admin fee / account holder | $701 | $6,768-89.6% | $4,536-84.6% | $9,541-92.7% |