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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 | $45,073 | $54,357-17.1% | $82,706-45.5% | $68,495-34.2% |
| Participation rate | 48.2% | 63.9%-15.7pp | 72.6%-24.4pp | 67.9%-19.7pp |
| Annual return | -18.29% | -13.67%-4.6pp | 701.76%-720.1pp | -7.84%-10.5pp |
| Employer contribution / active EE | $1,433 | $2,218-35.4% | $3,007-52.3% | $2,596-44.8% |
| Participant deferral / active EE | $3,264 | $3,246+0.5% | $4,394-25.7% | $4,028-19.0% |
| Admin fee / account holder | $721 | $4,396-83.6% | $5,329-86.5% | $5,403-86.7% |