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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 | $52,785 | $72,404-27.1% | $110,241-52.1% | $64,181-17.8% |
| Participation rate | 55.4% | 73.3%-17.9pp | 79.8%-24.4pp | 69.6%-14.2pp |
| Annual return | -6.59% | -6.29%-0.3pp | 314.75%-321.3pp | 7.63%-14.2pp |
| Employer contribution / active EE | $1,351 | $2,282-40.8% | $3,827-64.7% | $2,381-43.3% |
| Participant deferral / active EE | $3,102 | $3,469-10.6% | $4,672-33.6% | $3,470-10.6% |
| Admin fee / account holder | $7,066 | $5,664+24.7% | $8,548-17.3% | $4,887+44.6% |