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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 | $49,441 | $82,674-40.2% | $125,381-60.6% | $68,486-27.8% |
| Participation rate | 43.3% | 75.1%-31.7pp | 82.4%-39.0pp | 67.9%-24.6pp |
| Annual return | -16.56% | -5.97%-10.6pp | 572.31%-588.9pp | -7.85%-8.7pp |
| Employer contribution / active EE | $739 | $3,382-78.1% | $4,815-84.6% | $2,597-71.5% |
| Participant deferral / active EE | $4,528 | $6,111-25.9% | $7,448-39.2% | $4,028+12.4% |
| Admin fee / account holder | $4,902 | $6,277-21.9% | $10,007-51.0% | $5,404-9.3% |