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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 | $43,430 | $75,962-42.8% | $154,108-71.8% | $64,173-32.3% |
| Participation rate | 39.3% | 70.4%-31.1pp | 83.0%-43.8pp | 69.6%-30.3pp |
| Annual return | -6.69% | 30.32%-37.0pp | 735.21%-741.9pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,126 | $3,350-66.4% | $5,298-78.7% | $2,381-52.7% |
| Participant deferral / active EE | $2,522 | $3,175-20.6% | $5,081-50.4% | $3,470-27.3% |
| Admin fee / account holder | $5,260 | $5,589-5.9% | $13,411-60.8% | $4,887+7.6% |