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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 | $64,095 | $133,981-52.2% | $112,249-42.9% | $134,532-52.4% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -16.41% | 47.16%-63.6pp | 27.48%-43.9pp | 418.27%-434.7pp |
| Employer contribution / active EE | $1,277 | $4,040-68.4% | $3,636-64.9% | $4,741-73.1% |
| Participant deferral / active EE | $2,554 | $5,292-51.7% | $4,729-46.0% | $6,401-60.1% |
| Admin fee / account holder | $2,264 | $7,492-69.8% | $6,412-64.7% | $11,429-80.2% |