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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 | $38,346 | $91,911-58.3% | $68,612-44.1% | $135,380-71.7% |
| Participation rate | 55.6% | 76.7%-21.2pp | 72.2%-16.7pp | 82.6%-27.1pp |
| Annual return | -6.30% | -8.22%+1.9pp | -4.63%-1.7pp | 519.81%-526.1pp |
| Employer contribution / active EE | $1,256 | $3,924-68.0% | $2,625-52.1% | $4,779-73.7% |
| Participant deferral / active EE | $3,749 | $4,315-13.1% | $3,311+13.2% | $5,609-33.2% |
| Admin fee / account holder | $3,530 | $9,240-61.8% | $5,131-31.2% | $10,828-67.4% |