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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 | $45,802 | $43,730+4.7% | $121,220-62.2% | $64,173-28.6% |
| Participation rate | 50.0% | 58.3%-8.3pp | 71.8%-21.8pp | 69.6%-19.6pp |
| Annual return | -4.33% | 68.94%-73.3pp | 16.94%-21.3pp | 7.63%-12.0pp |
| Employer contribution / active EE | $941 | $1,297-27.4% | $4,023-76.6% | $2,381-60.5% |
| Participant deferral / active EE | $1,432 | $2,281-37.2% | $3,345-57.2% | $3,470-58.7% |
| Admin fee / account holder | $3,050 | $3,502-12.9% | $5,021-39.3% | $4,887-37.6% |