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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 | $35,712 | $142,392-74.9% | $119,622-70.1% | $134,532-73.5% |
| Participation rate | 40.0% | 82.8%-42.8pp | 79.3%-39.3pp | 81.2%-41.2pp |
| Annual return | -12.34% | -12.46%+0.1pp | -14.98%+2.6pp | 418.27%-430.6pp |
| Employer contribution / active EE | $1,705 | $5,224-67.4% | $4,232-59.7% | $4,741-64.0% |
| Participant deferral / active EE | $1,976 | $6,467-69.5% | $5,601-64.7% | $6,401-69.1% |
| Admin fee / account holder | $7,032 | $13,593-48.3% | $10,328-31.9% | $11,429-38.5% |