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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 | $40,382 | $54,357-25.7% | $82,706-51.2% | $68,495-41.0% |
| Participation rate | 46.4% | 63.9%-17.5pp | 72.6%-26.1pp | 67.9%-21.5pp |
| Annual return | -19.20% | -13.67%-5.5pp | 701.76%-721.0pp | -7.84%-11.4pp |
| Employer contribution / active EE | $1,107 | $2,218-50.1% | $3,007-63.2% | $2,596-57.4% |
| Participant deferral / active EE | $3,580 | $3,246+10.3% | $4,394-18.5% | $4,028-11.1% |
| Admin fee / account holder | $541 | $4,396-87.7% | $5,329-89.8% | $5,403-90.0% |