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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 | $52,224 | $93,117-43.9% | $77,096-32.3% | $134,532-61.2% |
| Participation rate | 60.0% | 74.5%-14.5pp | 67.9%-7.9pp | 81.2%-21.2pp |
| Annual return | -14.35% | 62.67%-77.0pp | 42.35%-56.7pp | 418.27%-432.6pp |
| Employer contribution / active EE | $1,556 | $3,420-54.5% | $2,814-44.7% | $4,741-67.2% |
| Participant deferral / active EE | $2,698 | $5,241-48.5% | $4,429-39.1% | $6,401-57.9% |
| Admin fee / account holder | $546 | $6,948-92.1% | $5,428-89.9% | $11,429-95.2% |