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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 | $43,199 | $82,674-47.7% | $125,381-65.5% | $68,486-36.9% |
| Participation rate | 53.8% | 75.1%-21.2pp | 82.4%-28.5pp | 67.9%-14.0pp |
| Annual return | -15.98% | -5.97%-10.0pp | 572.31%-588.3pp | -7.85%-8.1pp |
| Employer contribution / active EE | $2,286 | $3,382-32.4% | $4,815-52.5% | $2,597-12.0% |
| Participant deferral / active EE | $4,195 | $6,111-31.4% | $7,448-43.7% | $4,028+4.1% |
| Admin fee / account holder | $3,852 | $6,277-38.6% | $10,007-61.5% | $5,404-28.7% |