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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 | $45,643 | $91,537-50.1% | $130,045-64.9% | $75,173-39.3% |
| Participation rate | 29.6% | 71.5%-41.8pp | 78.5%-48.9pp | 67.2%-37.6pp |
| Annual return | 24.43% | -631.55%+656.0pp | -137.30%+161.7pp | 160.72%-136.3pp |
| Employer contribution / active EE | $827 | $2,845-70.9% | $4,321-80.9% | $2,671-69.1% |
| Participant deferral / active EE | $3,726 | $4,343-14.2% | $5,820-36.0% | $4,126-9.7% |
| Admin fee / account holder | $540 | $6,780-92.0% | $10,600-94.9% | $5,651-90.4% |