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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 | $32,802 | $84,551-61.2% | $61,452-46.6% | $134,532-75.6% |
| Participation rate | 35.7% | 62.2%-26.5pp | 52.6%-16.9pp | 81.2%-45.5pp |
| Annual return | -20.44% | 585.39%-605.8pp | 338.96%-359.4pp | 418.27%-438.7pp |
| Employer contribution / active EE | $656 | $1,545-57.5% | $1,160-43.4% | $4,741-86.2% |
| Participant deferral / active EE | $3,231 | $2,818+14.6% | $2,125+52.1% | $6,401-49.5% |
| Admin fee / account holder | $1,113 | $2,587-57.0% | $2,131-47.8% | $11,429-90.3% |