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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 | $20,401 | $84,551-75.9% | $61,452-66.8% | $134,532-84.8% |
| Participation rate | 53.8% | 62.2%-8.4pp | 52.6%+1.3pp | 81.2%-27.4pp |
| Annual return | -16.40% | 585.39%-601.8pp | 338.96%-355.4pp | 418.27%-434.7pp |
| Employer contribution / active EE | $1,105 | $1,545-28.5% | $1,160-4.7% | $4,741-76.7% |
| Participant deferral / active EE | $1,136 | $2,818-59.7% | $2,125-46.5% | $6,401-82.2% |
| Admin fee / account holder | $461 | $2,587-82.2% | $2,131-78.4% | $11,429-96.0% |