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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 | $37,142 | $82,674-55.1% | $125,381-70.4% | $68,486-45.8% |
| Participation rate | 39.1% | 75.1%-36.0pp | 82.4%-43.3pp | 67.9%-28.8pp |
| Annual return | -9.84% | -5.97%-3.9pp | 572.31%-582.1pp | -7.85%-2.0pp |
| Employer contribution / active EE | $1,943 | $3,382-42.5% | $4,815-59.6% | $2,597-25.2% |
| Participant deferral / active EE | $4,244 | $6,111-30.6% | $7,448-43.0% | $4,028+5.4% |
| Admin fee / account holder | $47,997 | $6,277+664.7% | $10,007+379.6% | $5,404+788.2% |