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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 | $37,352 | $54,357-31.3% | $82,706-54.8% | $68,495-45.5% |
| Participation rate | 68.9% | 63.9%+4.9pp | 72.6%-3.7pp | 67.9%+1.0pp |
| Annual return | -15.85% | -13.67%-2.2pp | 701.76%-717.6pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,798 | $2,218-18.9% | $3,007-40.2% | $2,596-30.7% |
| Participant deferral / active EE | $2,947 | $3,246-9.2% | $4,394-32.9% | $4,028-26.8% |
| Admin fee / account holder | $317 | $4,396-92.8% | $5,329-94.0% | $5,403-94.1% |