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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 | $27,771 | $32,117-13.5% | $71,086-60.9% | $64,173-56.7% |
| Participation rate | 20.0% | 42.7%-22.7pp | 54.7%-34.7pp | 69.6%-49.6pp |
| Annual return | -4.81% | -5.57%+0.8pp | 650.59%-655.4pp | 7.63%-12.4pp |
| Employer contribution / active EE | $295 | $712-58.6% | $1,088-72.9% | $2,381-87.6% |
| Participant deferral / active EE | $1,298 | $1,263+2.8% | $1,874-30.8% | $3,470-62.6% |
| Admin fee / account holder | $2,795 | $2,759+1.3% | $3,082-9.3% | $4,887-42.8% |