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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 | $22,857 | $68,996-66.9% | $159,991-85.7% | $68,495-66.6% |
| Participation rate | 52.3% | 65.4%-13.1pp | 78.0%-25.6pp | 67.9%-15.6pp |
| Annual return | 19.29% | -9.65%+28.9pp | 408.82%-389.5pp | -7.84%+27.1pp |
| Employer contribution / active EE | $2,445 | $2,212+10.5% | $4,225-42.1% | $2,596-5.8% |
| Participant deferral / active EE | $4,318 | $4,211+2.5% | $6,183-30.2% | $4,028+7.2% |
| Admin fee / account holder | $1,595 | $4,797-66.7% | $8,715-81.7% | $5,403-70.5% |