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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 | $48,695 | $54,370-10.4% | $82,763-41.2% | $68,490-28.9% |
| Participation rate | 38.6% | 63.9%-25.4pp | 72.6%-34.0pp | 67.9%-29.3pp |
| Annual return | -15.79% | -13.67%-2.1pp | 702.45%-718.2pp | -7.85%-7.9pp |
| Employer contribution / active EE | $447 | $2,219-79.9% | $3,008-85.2% | $2,597-82.8% |
| Participant deferral / active EE | $1,667 | $3,247-48.7% | $4,395-62.1% | $4,028-58.6% |
| Admin fee / account holder | $2,976 | $4,398-32.3% | $5,325-44.1% | $5,403-44.9% |