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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 | $52,870 | $45,566+16.0% | $64,105-17.5% | $59,633-11.3% |
| Participation rate | 42.9% | 60.2%-17.3pp | 68.2%-25.3pp | 68.7%-25.8pp |
| Annual return | -1.20% | 4.95%-6.1pp | 791.24%-792.4pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $576 | $934-38.3% | $1,820-68.3% | $2,203-73.8% |
| Participant deferral / active EE | $2,354 | $2,057+14.5% | $2,822-16.6% | $3,192-26.2% |
| Admin fee / account holder | $4,076 | $3,268+24.7% | $4,499-9.4% | $4,297-5.2% |