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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 | $70,345 | $27,632+154.6% | $61,399+14.6% | $68,495+2.7% |
| Participation rate | 7.7% | 39.5%-31.8pp | 52.6%-44.9pp | 67.9%-60.2pp |
| Annual return | -18.46% | -13.24%-5.2pp | 338.81%-357.3pp | -7.84%-10.6pp |
| Employer contribution / active EE | $168 | $696-75.9% | $1,159-85.5% | $2,596-93.5% |
| Participant deferral / active EE | $807 | $1,264-36.1% | $2,124-62.0% | $4,028-80.0% |
| Admin fee / account holder | $497 | $2,010-75.3% | $2,131-76.7% | $5,403-90.8% |