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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 | $43,599 | $75,959-42.6% | $154,114-71.7% | $64,181-32.1% |
| Participation rate | 52.0% | 70.4%-18.4pp | 83.0%-31.0pp | 69.6%-17.6pp |
| Annual return | -3.72% | 30.32%-34.0pp | 735.16%-738.9pp | 7.63%-11.3pp |
| Employer contribution / active EE | $944 | $3,350-71.8% | $5,298-82.2% | $2,381-60.4% |
| Participant deferral / active EE | $3,462 | $3,175+9.0% | $5,081-31.9% | $3,470-0.2% |
| Admin fee / account holder | $13,245 | $5,589+137.0% | $13,411-1.2% | $4,887+171.0% |