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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 | $43,770 | $75,962-42.4% | $154,108-71.6% | $64,173-31.8% |
| Participation rate | 50.0% | 70.4%-20.4pp | 83.0%-33.0pp | 69.6%-19.6pp |
| Annual return | -6.40% | 30.32%-36.7pp | 735.21%-741.6pp | 7.63%-14.0pp |
| Employer contribution / active EE | $1,674 | $3,350-50.0% | $5,298-68.4% | $2,381-29.7% |
| Participant deferral / active EE | $2,877 | $3,175-9.4% | $5,081-43.4% | $3,470-17.1% |
| Admin fee / account holder | $3,271 | $5,589-41.5% | $13,411-75.6% | $4,887-33.1% |