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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 | $50,131 | $75,962-34.0% | $154,108-67.5% | $64,173-21.9% |
| Participation rate | 47.0% | 70.4%-23.4pp | 83.0%-36.1pp | 69.6%-22.6pp |
| Annual return | -4.89% | 30.32%-35.2pp | 735.21%-740.1pp | 7.63%-12.5pp |
| Employer contribution / active EE | $1,528 | $3,350-54.4% | $5,298-71.2% | $2,381-35.8% |
| Participant deferral / active EE | $2,263 | $3,175-28.7% | $5,081-55.5% | $3,470-34.8% |
| Admin fee / account holder | $11,167 | $5,589+99.8% | $13,411-16.7% | $4,887+128.5% |