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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 | $45,641 | $54,357-16.0% | $82,706-44.8% | $68,495-33.4% |
| Participation rate | 34.2% | 63.9%-29.7pp | 72.6%-38.3pp | 67.9%-33.7pp |
| Annual return | -16.93% | -13.67%-3.3pp | 701.76%-718.7pp | -7.84%-9.1pp |
| Employer contribution / active EE | $1,648 | $2,218-25.7% | $3,007-45.2% | $2,596-36.5% |
| Participant deferral / active EE | $2,493 | $3,246-23.2% | $4,394-43.3% | $4,028-38.1% |
| Admin fee / account holder | $6,951 | $4,396+58.1% | $5,329+30.5% | $5,403+28.7% |