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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 | $55,037 | $93,117-40.9% | $77,096-28.6% | $134,532-59.1% |
| Participation rate | 42.9% | 74.5%-31.6pp | 67.9%-25.1pp | 81.2%-38.4pp |
| Annual return | -19.33% | 62.67%-82.0pp | 42.35%-61.7pp | 418.27%-437.6pp |
| Employer contribution / active EE | $2,373 | $3,420-30.6% | $2,814-15.7% | $4,741-49.9% |
| Participant deferral / active EE | $6,088 | $5,241+16.2% | $4,429+37.4% | $6,401-4.9% |
| Admin fee / account holder | $3,778 | $6,948-45.6% | $5,428-30.4% | $11,429-66.9% |