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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 | $39,024 | $95,917-59.3% | $79,583-51.0% | $134,545-71.0% |
| Participation rate | 56.3% | 75.0%-18.8pp | 69.5%-13.2pp | 81.2%-25.0pp |
| Annual return | -20.24% | -2.70%-17.5pp | 0.16%-20.4pp | 418.37%-438.6pp |
| Employer contribution / active EE | $2,437 | $3,129-22.1% | $2,414+1.0% | $4,742-48.6% |
| Participant deferral / active EE | $7,180 | $4,694+53.0% | $3,986+80.1% | $6,401+12.2% |
| Admin fee / account holder | $13,361 | $9,132+46.3% | $6,835+95.5% | $11,431+16.9% |