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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 | $44,057 | $57,352-23.2% | $83,831-47.4% | $64,173-31.3% |
| Participation rate | 69.7% | 68.6%+1.1pp | 76.1%-6.4pp | 69.6%+0.1pp |
| Annual return | -3.39% | 11.38%-14.8pp | 850.99%-854.4pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,306 | $2,546-48.7% | $3,631-64.0% | $2,381-45.2% |
| Participant deferral / active EE | $2,291 | $2,993-23.5% | $4,082-43.9% | $3,470-34.0% |
| Admin fee / account holder | $4,064 | $4,046+0.4% | $5,479-25.8% | $4,887-16.8% |