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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 | $45,541 | $54,355-16.2% | $82,744-45.0% | $68,486-33.5% |
| Participation rate | 21.3% | 63.9%-42.7pp | 72.6%-51.3pp | 67.9%-46.6pp |
| Annual return | -16.88% | -13.67%-3.2pp | 702.22%-719.1pp | -7.85%-9.0pp |
| Employer contribution / active EE | $609 | $2,219-72.6% | $3,008-79.8% | $2,597-76.5% |
| Participant deferral / active EE | $1,640 | $3,246-49.5% | $4,395-62.7% | $4,028-59.3% |
| Admin fee / account holder | $1,350 | $4,397-69.3% | $5,325-74.6% | $5,404-75.0% |