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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 | $39,407 | $95,915-58.9% | $79,580-50.5% | $134,532-70.7% |
| Participation rate | 68.8% | 75.0%-6.3pp | 69.5%-0.7pp | 81.2%-12.5pp |
| Annual return | -19.58% | -2.71%-16.9pp | 0.15%-19.7pp | 418.27%-437.9pp |
| Employer contribution / active EE | $1,273 | $3,129-59.3% | $2,413-47.2% | $4,741-73.1% |
| Participant deferral / active EE | $4,143 | $4,693-11.7% | $3,985+4.0% | $6,401-35.3% |
| Admin fee / account holder | $6,616 | $9,132-27.5% | $6,835-3.2% | $11,429-42.1% |