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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 | $33,116 | $57,352-42.3% | $83,830-60.5% | $64,173-48.4% |
| Participation rate | 44.1% | 68.6%-24.5pp | 76.1%-32.1pp | 69.6%-25.5pp |
| Annual return | -5.55% | 11.38%-16.9pp | 850.97%-856.5pp | 7.63%-13.2pp |
| Employer contribution / active EE | $2,426 | $2,546-4.7% | $3,631-33.2% | $2,381+1.9% |
| Participant deferral / active EE | $1,372 | $2,993-54.1% | $4,082-66.4% | $3,470-60.4% |
| Admin fee / account holder | $5,070 | $4,046+25.3% | $5,479-7.5% | $4,887+3.7% |