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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 | $49,184 | $52,911-7.0% | $73,309-32.9% | $59,633-17.5% |
| Participation rate | 44.7% | 68.2%-23.5pp | 74.9%-30.2pp | 68.7%-23.9pp |
| Annual return | -0.53% | 12.20%-12.7pp | 5.67%-6.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $1,581 | $1,909-17.2% | $3,237-51.2% | $2,203-28.2% |
| Participant deferral / active EE | $3,360 | $4,069-17.4% | $4,991-32.7% | $3,192+5.3% |
| Admin fee / account holder | $1,786 | $3,835-53.4% | $5,635-68.3% | $4,297-58.4% |