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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 | $52,919 | $27,632+91.5% | $61,452-13.9% | $68,486-22.7% |
| Participation rate | 48.0% | 39.5%+8.5pp | 52.6%-4.6pp | 67.9%-19.9pp |
| Annual return | -17.88% | -13.24%-4.6pp | 338.96%-356.8pp | -7.85%-10.0pp |
| Employer contribution / active EE | $784 | $696+12.6% | $1,160-32.4% | $2,597-69.8% |
| Participant deferral / active EE | $2,378 | $1,264+88.2% | $2,125+11.9% | $4,028-41.0% |
| Admin fee / account holder | $798 | $2,010-60.3% | $2,131-62.5% | $5,404-85.2% |