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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 | $74,378 | $83,908-11.4% | $68,509+8.6% | $125,389-40.7% |
| Participation rate | 38.5% | 78.2%-39.7pp | 74.7%-36.3pp | 83.2%-44.7pp |
| Annual return | -1.81% | 14.48%-16.3pp | 8.27%-10.1pp | 282.24%-284.1pp |
| Employer contribution / active EE | $1,105 | $3,031-63.5% | $2,278-51.5% | $4,866-77.3% |
| Participant deferral / active EE | $2,634 | $4,125-36.2% | $3,382-22.1% | $5,352-50.8% |
| Admin fee / account holder | $387 | $8,982-95.7% | $5,275-92.7% | $9,541-95.9% |