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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 | $29,138 | $75,959-61.6% | $154,114-81.1% | $64,181-54.6% |
| Participation rate | 57.6% | 70.4%-12.8pp | 83.0%-25.5pp | 69.6%-12.0pp |
| Annual return | -4.21% | 30.32%-34.5pp | 735.16%-739.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $951 | $3,350-71.6% | $5,298-82.0% | $2,381-60.1% |
| Participant deferral / active EE | $2,838 | $3,175-10.6% | $5,081-44.1% | $3,470-18.2% |
| Admin fee / account holder | $5,656 | $5,589+1.2% | $13,411-57.8% | $4,887+15.7% |