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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 | $13,505 | $39,798-66.1% | $67,704-80.1% | $59,633-77.4% |
| Participation rate | 45.2% | 57.4%-12.2pp | 67.5%-22.4pp | 68.7%-23.5pp |
| Annual return | -2.17% | 89.94%-92.1pp | 25.41%-27.6pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $505 | $1,393-63.8% | $2,559-80.3% | $2,203-77.1% |
| Participant deferral / active EE | $1,723 | $2,335-26.2% | $3,585-51.9% | $3,192-46.0% |
| Admin fee / account holder | $4,675 | $3,212+45.6% | $4,255+9.9% | $4,297+8.8% |