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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 | $37,947 | $75,962-50.0% | $154,111-75.4% | $64,173-40.9% |
| Participation rate | 45.2% | 70.4%-25.3pp | 83.0%-37.9pp | 69.6%-24.4pp |
| Annual return | -4.16% | 30.32%-34.5pp | 735.18%-739.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,063 | $3,350-68.3% | $5,298-79.9% | $2,381-55.4% |
| Participant deferral / active EE | $1,669 | $3,175-47.4% | $5,081-67.2% | $3,470-51.9% |
| Admin fee / account holder | $13,400 | $5,589+139.8% | $13,411-0.1% | $4,887+174.2% |