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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 | $53,064 | $69,012-23.1% | $160,037-66.8% | $68,490-22.5% |
| Participation rate | 57.9% | 65.4%-7.5pp | 78.0%-20.1pp | 67.9%-10.0pp |
| Annual return | -18.50% | -9.65%-8.8pp | 408.95%-427.5pp | -7.85%-10.6pp |
| Employer contribution / active EE | $1,435 | $2,212-35.1% | $4,226-66.0% | $2,597-44.7% |
| Participant deferral / active EE | $4,420 | $4,212+4.9% | $6,184-28.5% | $4,028+9.7% |
| Admin fee / account holder | $4,226 | $4,798-11.9% | $8,716-51.5% | $5,403-21.8% |