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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 | $30,515 | $32,117-5.0% | $71,089-57.1% | $64,173-52.4% |
| Participation rate | 26.9% | 42.7%-15.8pp | 54.6%-27.7pp | 69.6%-42.6pp |
| Annual return | -4.42% | -5.57%+1.2pp | 650.65%-655.1pp | 7.63%-12.1pp |
| Employer contribution / active EE | $612 | $712-14.0% | $1,088-43.7% | $2,381-74.3% |
| Participant deferral / active EE | $2,621 | $1,263+107.6% | $1,873+40.0% | $3,470-24.4% |
| Admin fee / account holder | $1,904 | $2,759-31.0% | $3,082-38.2% | $4,887-61.1% |