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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 | $31,631 | $32,117-1.5% | $71,086-55.5% | $64,173-50.7% |
| Participation rate | 24.3% | 42.7%-18.4pp | 54.7%-30.3pp | 69.6%-45.2pp |
| Annual return | -7.81% | -5.57%-2.2pp | 650.59%-658.4pp | 7.63%-15.4pp |
| Employer contribution / active EE | $0 | $712-100.0% | $1,088-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,179 | $1,263-6.6% | $1,874-37.1% | $3,470-66.0% |
| Admin fee / account holder | $3,099 | $2,759+12.3% | $3,082+0.6% | $4,887-36.6% |