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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 | $46,595 | $75,962-38.7% | $154,108-69.8% | $64,173-27.4% |
| Participation rate | 55.8% | 70.4%-14.6pp | 83.0%-27.2pp | 69.6%-13.8pp |
| Annual return | -6.64% | 30.32%-37.0pp | 735.21%-741.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,526 | $3,350-54.4% | $5,298-71.2% | $2,381-35.9% |
| Participant deferral / active EE | $3,511 | $3,175+10.6% | $5,081-30.9% | $3,470+1.2% |
| Admin fee / account holder | $326 | $5,589-94.2% | $13,411-97.6% | $4,887-93.3% |