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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 | $43,808 | $54,355-19.4% | $82,744-47.1% | $68,486-36.0% |
| Participation rate | 61.1% | 63.9%-2.8pp | 72.6%-11.5pp | 67.9%-6.8pp |
| Annual return | -14.78% | -13.67%-1.1pp | 702.22%-717.0pp | -7.85%-6.9pp |
| Employer contribution / active EE | $1,946 | $2,219-12.3% | $3,008-35.3% | $2,597-25.1% |
| Participant deferral / active EE | $5,333 | $3,246+64.3% | $4,395+21.3% | $4,028+32.4% |
| Admin fee / account holder | $4,332 | $4,397-1.5% | $5,325-18.6% | $5,404-19.8% |