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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 | $35,135 | $77,817-54.8% | $123,553-71.6% | $64,173-45.2% |
| Participation rate | 48.5% | 74.7%-26.2pp | 82.3%-33.8pp | 69.6%-21.1pp |
| Annual return | -4.27% | 12.49%-16.8pp | 119.21%-123.5pp | 7.63%-11.9pp |
| Employer contribution / active EE | $1,889 | $3,014-37.3% | $4,628-59.2% | $2,381-20.6% |
| Participant deferral / active EE | $4,291 | $5,240-18.1% | $6,426-33.2% | $3,470+23.7% |
| Admin fee / account holder | $20,610 | $5,519+273.4% | $9,284+122.0% | $4,887+321.7% |