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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 | $84,020 | $95,895-12.4% | $79,576+5.6% | $134,509-37.5% |
| Participation rate | 44.4% | 75.0%-30.6pp | 69.5%-25.0pp | 81.2%-36.8pp |
| Annual return | -18.43% | -2.72%-15.7pp | 0.15%-18.6pp | 418.13%-436.6pp |
| Employer contribution / active EE | $953 | $3,128-69.5% | $2,413-60.5% | $4,741-79.9% |
| Participant deferral / active EE | $2,939 | $4,693-37.4% | $3,985-26.3% | $6,400-54.1% |
| Admin fee / account holder | $815 | $9,129-91.1% | $6,834-88.1% | $11,427-92.9% |