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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 | $36,725 | $75,962-51.7% | $154,111-76.2% | $64,173-42.8% |
| Participation rate | 57.8% | 70.4%-12.6pp | 83.0%-25.3pp | 69.6%-11.8pp |
| Annual return | -4.13% | 30.32%-34.4pp | 735.18%-739.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $2,347 | $3,350-29.9% | $5,298-55.7% | $2,381-1.4% |
| Participant deferral / active EE | $3,562 | $3,175+12.2% | $5,081-29.9% | $3,470+2.7% |
| Admin fee / account holder | $10,070 | $5,589+80.2% | $13,411-24.9% | $4,887+106.1% |