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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 | $74,561 | $27,632+169.8% | $61,452+21.3% | $68,486+8.9% |
| Participation rate | 20.8% | 39.5%-18.8pp | 52.6%-31.8pp | 67.9%-47.1pp |
| Annual return | -14.33% | -13.24%-1.1pp | 338.96%-353.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $365 | $696-47.5% | $1,160-68.5% | $2,597-85.9% |
| Participant deferral / active EE | $429 | $1,264-66.0% | $2,125-79.8% | $4,028-89.3% |
| Admin fee / account holder | $14,888 | $2,010+640.6% | $2,131+598.6% | $5,404+175.5% |