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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 | $43,829 | $84,527-48.1% | $67,711-35.3% | $125,393-65.0% |
| Participation rate | 27.8% | 74.8%-47.0pp | 67.5%-39.7pp | 83.2%-55.4pp |
| Annual return | -3.24% | 2.57%-5.8pp | 25.41%-28.6pp | 282.23%-285.5pp |
| Employer contribution / active EE | $489 | $3,292-85.1% | $2,559-80.9% | $4,866-89.9% |
| Participant deferral / active EE | $2,242 | $4,429-49.4% | $3,585-37.4% | $5,351-58.1% |
| Admin fee / account holder | $310 | $5,340-94.2% | $4,255-92.7% | $9,541-96.8% |