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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 | $44,632 | $65,704-32.1% | $94,229-52.6% | $59,633-25.2% |
| Participation rate | 58.5% | 72.1%-13.6pp | 78.8%-20.3pp | 68.7%-10.2pp |
| Annual return | -1.68% | 5.22%-6.9pp | 10.68%-12.4pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $1,482 | $2,021-26.7% | $3,587-58.7% | $2,203-32.7% |
| Participant deferral / active EE | $3,355 | $3,143+6.7% | $4,320-22.3% | $3,192+5.1% |
| Admin fee / account holder | $7,259 | $4,265+70.2% | $6,269+15.8% | $4,297+68.9% |