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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 | $44,223 | $105,867-58.2% | $90,760-51.3% | $134,532-67.1% |
| Participation rate | 53.3% | 78.3%-24.9pp | 75.7%-22.4pp | 81.2%-27.9pp |
| Annual return | -16.78% | -10.99%-5.8pp | -12.16%-4.6pp | 418.27%-435.1pp |
| Employer contribution / active EE | $1,305 | $3,464-62.3% | $2,922-55.3% | $4,741-72.5% |
| Participant deferral / active EE | $3,182 | $5,217-39.0% | $4,565-30.3% | $6,401-50.3% |
| Admin fee / account holder | $23,654 | $13,936+69.7% | $8,444+180.1% | $11,429+107.0% |