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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 | $37,985 | $27,632+37.5% | $61,399-38.1% | $68,495-44.5% |
| Participation rate | 25.0% | 39.5%-14.5pp | 52.6%-27.6pp | 67.9%-42.9pp |
| Annual return | -16.79% | -13.24%-3.5pp | 338.81%-355.6pp | -7.84%-8.9pp |
| Employer contribution / active EE | $445 | $696-36.0% | $1,159-61.6% | $2,596-82.9% |
| Participant deferral / active EE | $666 | $1,264-47.3% | $2,124-68.7% | $4,028-83.5% |
| Admin fee / account holder | $459 | $2,010-77.2% | $2,131-78.5% | $5,403-91.5% |