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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 | $45,165 | $75,962-40.5% | $154,111-70.7% | $64,173-29.6% |
| Participation rate | 45.9% | 70.4%-24.5pp | 83.0%-37.1pp | 69.6%-23.6pp |
| Annual return | -7.80% | 30.32%-38.1pp | 735.18%-743.0pp | 7.63%-15.4pp |
| Employer contribution / active EE | $471 | $3,350-85.9% | $5,298-91.1% | $2,381-80.2% |
| Participant deferral / active EE | $1,562 | $3,175-50.8% | $5,081-69.2% | $3,470-55.0% |
| Admin fee / account holder | $4,759 | $5,589-14.9% | $13,411-64.5% | $4,887-2.6% |