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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 | $46,863 | $167,362-72.0% | $143,799-67.4% | $134,532-65.2% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -13.78% | 0.47%-14.3pp | -0.04%-13.7pp | 418.27%-432.0pp |
| Employer contribution / active EE | $1,648 | $5,620-70.7% | $4,952-66.7% | $4,741-65.2% |
| Participant deferral / active EE | $3,719 | $6,447-42.3% | $5,638-34.0% | $6,401-41.9% |
| Admin fee / account holder | $487 | $18,094-97.3% | $14,677-96.7% | $11,429-95.7% |