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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 | $74,600 | $27,632+170.0% | $61,452+21.4% | $68,486+8.9% |
| Participation rate | 15.0% | 39.5%-24.5pp | 52.6%-37.6pp | 67.9%-52.9pp |
| Annual return | -19.21% | -13.24%-6.0pp | 338.96%-358.2pp | -7.85%-11.4pp |
| Employer contribution / active EE | $476 | $696-31.6% | $1,160-58.9% | $2,597-81.7% |
| Participant deferral / active EE | $1,223 | $1,264-3.2% | $2,125-42.5% | $4,028-69.6% |
| Admin fee / account holder | $2,214 | $2,010+10.1% | $2,131+3.9% | $5,404-59.0% |