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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 | $57,769 | $105,861-45.4% | $90,756-36.3% | $134,509-57.1% |
| Participation rate | 40.0% | 78.2%-38.2pp | 75.7%-35.7pp | 81.2%-41.2pp |
| Annual return | -16.85% | -10.99%-5.9pp | -12.16%-4.7pp | 418.13%-435.0pp |
| Employer contribution / active EE | $2,731 | $3,463-21.2% | $2,922-6.5% | $4,741-42.4% |
| Participant deferral / active EE | $8,827 | $5,217+69.2% | $4,565+93.4% | $6,400+37.9% |
| Admin fee / account holder | $11,545 | $13,938-17.2% | $8,445+36.7% | $11,427+1.0% |