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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 | $62,312 | $27,632+125.5% | $61,452+1.4% | $68,486-9.0% |
| Participation rate | 35.3% | 39.5%-4.2pp | 52.6%-17.3pp | 67.9%-32.6pp |
| Annual return | -17.34% | -13.24%-4.1pp | 338.96%-356.3pp | -7.85%-9.5pp |
| Employer contribution / active EE | $190 | $696-72.6% | $1,160-83.6% | $2,597-92.7% |
| Participant deferral / active EE | $1,494 | $1,264+18.2% | $2,125-29.7% | $4,028-62.9% |
| Admin fee / account holder | $6,092 | $2,010+203.1% | $2,131+185.9% | $5,404+12.7% |