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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 | $39,154 | $69,012-43.3% | $160,009-75.5% | $68,486-42.8% |
| Participation rate | 46.7% | 65.4%-18.7pp | 78.0%-31.2pp | 67.9%-21.2pp |
| Annual return | -13.05% | -9.65%-3.4pp | 408.85%-421.9pp | -7.85%-5.2pp |
| Employer contribution / active EE | $1,241 | $2,212-43.9% | $4,225-70.6% | $2,597-52.2% |
| Participant deferral / active EE | $2,193 | $4,212-47.9% | $6,183-64.5% | $4,028-45.5% |
| Admin fee / account holder | $4,212 | $4,798-12.2% | $8,715-51.7% | $5,404-22.1% |