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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 | $22,087 | $95,895-77.0% | $79,576-72.2% | $134,509-83.6% |
| Participation rate | 45.5% | 75.0%-29.6pp | 69.5%-24.0pp | 81.2%-35.8pp |
| Annual return | -15.47% | -2.72%-12.8pp | 0.15%-15.6pp | 418.13%-433.6pp |
| Employer contribution / active EE | $1,051 | $3,128-66.4% | $2,413-56.4% | $4,741-77.8% |
| Participant deferral / active EE | $3,016 | $4,693-35.7% | $3,985-24.3% | $6,400-52.9% |
| Admin fee / account holder | $13,929 | $9,129+52.6% | $6,834+103.8% | $11,427+21.9% |