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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 | $47,798 | $82,678-42.2% | $125,391-61.9% | $68,490-30.2% |
| Participation rate | 58.3% | 75.1%-16.7pp | 82.4%-24.1pp | 67.9%-9.6pp |
| Annual return | -13.83% | -5.97%-7.9pp | 572.41%-586.2pp | -7.85%-6.0pp |
| Employer contribution / active EE | $2,158 | $3,382-36.2% | $4,816-55.2% | $2,597-16.9% |
| Participant deferral / active EE | $4,233 | $6,111-30.7% | $7,448-43.2% | $4,028+5.1% |
| Admin fee / account holder | $4,092 | $6,277-34.8% | $10,009-59.1% | $5,403-24.3% |