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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 | $44,403 | $106,549-58.3% | $91,225-51.3% | $134,509-67.0% |
| Participation rate | 26.7% | 76.8%-50.1pp | 73.2%-46.5pp | 81.2%-54.6pp |
| Annual return | -15.48% | 160.73%-176.2pp | 114.10%-129.6pp | 418.13%-433.6pp |
| Employer contribution / active EE | $602 | $3,331-81.9% | $2,851-78.9% | $4,741-87.3% |
| Participant deferral / active EE | $819 | $4,719-82.6% | $4,234-80.7% | $6,400-87.2% |
| Admin fee / account holder | $3,072 | $6,234-50.7% | $5,422-43.3% | $11,427-73.1% |