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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 | $37,668 | $84,464-55.4% | $61,399-38.6% | $134,509-72.0% |
| Participation rate | 23.1% | 62.2%-39.1pp | 52.6%-29.5pp | 81.2%-58.2pp |
| Annual return | -20.32% | 585.06%-605.4pp | 338.81%-359.1pp | 418.13%-438.5pp |
| Employer contribution / active EE | $915 | $1,545-40.8% | $1,159-21.1% | $4,741-80.7% |
| Participant deferral / active EE | $2,414 | $2,818-14.3% | $2,124+13.6% | $6,400-62.3% |
| Admin fee / account holder | $5,952 | $2,587+130.0% | $2,131+179.3% | $11,427-47.9% |