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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 | $63,113 | $129,960-51.4% | $104,299-39.5% | $134,545-53.1% |
| Participation rate | 41.7% | 79.5%-37.9pp | 73.3%-31.6pp | 81.2%-39.6pp |
| Annual return | -16.46% | 42.06%-58.5pp | 24.62%-41.1pp | 418.37%-434.8pp |
| Employer contribution / active EE | $1,969 | $4,186-53.0% | $3,373-41.6% | $4,742-58.5% |
| Participant deferral / active EE | $4,858 | $5,589-13.1% | $4,626+5.0% | $6,401-24.1% |
| Admin fee / account holder | $430 | $9,324-95.4% | $7,339-94.1% | $11,431-96.2% |