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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 | $72,256 | $133,983-46.1% | $112,244-35.6% | $134,493-46.3% |
| Participation rate | 52.4% | 78.6%-26.2pp | 75.1%-22.7pp | 81.2%-28.8pp |
| Annual return | -18.36% | 47.13%-65.5pp | 27.46%-45.8pp | 418.01%-436.4pp |
| Employer contribution / active EE | $3,942 | $4,039-2.4% | $3,635+8.4% | $4,740-16.8% |
| Participant deferral / active EE | $5,751 | $5,291+8.7% | $4,728+21.6% | $6,400-10.1% |
| Admin fee / account holder | $13,620 | $7,490+81.8% | $6,411+112.5% | $11,425+19.2% |