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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 | $16,738 | $82,314-79.7% | $68,808-75.7% | $134,532-87.6% |
| Participation rate | 45.5% | 75.1%-29.6pp | 69.0%-23.6pp | 81.2%-35.8pp |
| Annual return | -1.83% | -2.18%+0.3pp | -6.37%+4.5pp | 418.27%-420.1pp |
| Employer contribution / active EE | $1,235 | $3,301-62.6% | $2,656-53.5% | $4,741-73.9% |
| Participant deferral / active EE | $1,574 | $4,740-66.8% | $3,942-60.1% | $6,401-75.4% |
| Admin fee / account holder | $3,952 | $6,484-39.1% | $4,936-19.9% | $11,429-65.4% |