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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 | $42,143 | $78,694-46.4% | $67,652-37.7% | $125,389-66.4% |
| Participation rate | 60.0% | 78.8%-18.8pp | 75.7%-15.7pp | 83.2%-23.2pp |
| Annual return | -1.13% | 9.46%-10.6pp | 6625.40%-6626.5pp | 282.24%-283.4pp |
| Employer contribution / active EE | $2,823 | $3,044-7.3% | $2,266+24.6% | $4,866-42.0% |
| Participant deferral / active EE | $3,946 | $4,292-8.1% | $3,560+10.9% | $5,352-26.3% |
| Admin fee / account holder | $27,374 | $7,403+269.8% | $4,821+467.8% | $9,541+186.9% |