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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 | $60,598 | $133,998-54.8% | $112,263-46.0% | $134,545-55.0% |
| Participation rate | 50.0% | 78.6%-28.6pp | 75.1%-25.1pp | 81.2%-31.2pp |
| Annual return | -15.59% | 47.17%-62.8pp | 27.49%-43.1pp | 418.37%-434.0pp |
| Employer contribution / active EE | $1,363 | $4,040-66.3% | $3,636-62.5% | $4,742-71.2% |
| Participant deferral / active EE | $4,158 | $5,292-21.4% | $4,729-12.1% | $6,401-35.0% |
| Admin fee / account holder | $32,533 | $7,493+334.2% | $6,410+407.5% | $11,431+184.6% |