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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 | $29,718 | $105,861-71.9% | $90,756-67.3% | $134,509-77.9% |
| Participation rate | 60.0% | 78.2%-18.2pp | 75.7%-15.7pp | 81.2%-21.2pp |
| Annual return | -18.30% | -10.99%-7.3pp | -12.16%-6.1pp | 418.13%-436.4pp |
| Employer contribution / active EE | $2,903 | $3,463-16.2% | $2,922-0.6% | $4,741-38.8% |
| Participant deferral / active EE | $4,389 | $5,217-15.9% | $4,565-3.9% | $6,400-31.4% |
| Admin fee / account holder | $5,629 | $13,938-59.6% | $8,445-33.3% | $11,427-50.7% |