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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 | $220,665 | $27,639+698.4% | $61,501+258.8% | $68,490+222.2% |
| Participation rate | 7.4% | 39.5%-32.1pp | 52.6%-45.2pp | 67.9%-60.5pp |
| Annual return | -20.09% | -13.19%-6.9pp | 339.04%-359.1pp | -7.85%-12.2pp |
| Employer contribution / active EE | $286 | $696-58.9% | $1,160-75.3% | $2,597-89.0% |
| Participant deferral / active EE | $1,519 | $1,264+20.2% | $2,125-28.5% | $4,028-62.3% |
| Admin fee / account holder | $2,377 | $2,012+18.1% | $2,132+11.5% | $5,403-56.0% |