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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 | $44,010 | $75,962-42.1% | $154,111-71.4% | $64,173-31.4% |
| Participation rate | 64.5% | 70.4%-5.9pp | 83.0%-18.5pp | 69.6%-5.1pp |
| Annual return | -4.68% | 30.32%-35.0pp | 735.18%-739.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $1,502 | $3,350-55.2% | $5,298-71.7% | $2,381-36.9% |
| Participant deferral / active EE | $3,513 | $3,175+10.7% | $5,081-30.9% | $3,470+1.2% |
| Admin fee / account holder | $10,759 | $5,589+92.5% | $13,411-19.8% | $4,887+120.1% |