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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 | $46,609 | $82,678-43.6% | $125,391-62.8% | $68,490-31.9% |
| Participation rate | 49.3% | 75.1%-25.8pp | 82.4%-33.1pp | 67.9%-18.6pp |
| Annual return | -17.54% | -5.97%-11.6pp | 572.41%-590.0pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,587 | $3,382-53.1% | $4,816-67.0% | $2,597-38.9% |
| Participant deferral / active EE | $5,006 | $6,111-18.1% | $7,448-32.8% | $4,028+24.3% |
| Admin fee / account holder | $3,071 | $6,277-51.1% | $10,009-69.3% | $5,403-43.2% |