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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 | $45,910 | $54,370-15.6% | $82,763-44.5% | $68,490-33.0% |
| Participation rate | 23.5% | 63.9%-40.4pp | 72.6%-49.0pp | 67.9%-44.4pp |
| Annual return | -18.16% | -13.67%-4.5pp | 702.45%-720.6pp | -7.85%-10.3pp |
| Employer contribution / active EE | $493 | $2,219-77.8% | $3,008-83.6% | $2,597-81.0% |
| Participant deferral / active EE | $1,612 | $3,247-50.3% | $4,395-63.3% | $4,028-60.0% |
| Admin fee / account holder | $1,919 | $4,398-56.4% | $5,325-64.0% | $5,403-64.5% |