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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 | $36,631 | $54,355-32.6% | $82,744-55.7% | $68,486-46.5% |
| Participation rate | 53.7% | 63.9%-10.3pp | 72.6%-18.9pp | 67.9%-14.2pp |
| Annual return | -16.45% | -13.67%-2.8pp | 702.22%-718.7pp | -7.85%-8.6pp |
| Employer contribution / active EE | $810 | $2,219-63.5% | $3,008-73.1% | $2,597-68.8% |
| Participant deferral / active EE | $1,639 | $3,246-49.5% | $4,395-62.7% | $4,028-59.3% |
| Admin fee / account holder | $1,921 | $4,397-56.3% | $5,325-63.9% | $5,404-64.5% |