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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 | $45,995 | $75,962-39.5% | $154,108-70.2% | $64,173-28.3% |
| Participation rate | 37.5% | 70.4%-32.9pp | 83.0%-45.5pp | 69.6%-32.1pp |
| Annual return | -2.19% | 30.32%-32.5pp | 735.21%-737.4pp | 7.63%-9.8pp |
| Employer contribution / active EE | $1,128 | $3,350-66.3% | $5,298-78.7% | $2,381-52.6% |
| Participant deferral / active EE | $1,032 | $3,175-67.5% | $5,081-79.7% | $3,470-70.3% |
| Admin fee / account holder | $8,177 | $5,589+46.3% | $13,411-39.0% | $4,887+67.3% |