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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 | $37,763 | $27,639+36.6% | $61,501-38.6% | $68,490-44.9% |
| Participation rate | 32.3% | 39.5%-7.3pp | 52.6%-20.3pp | 67.9%-35.6pp |
| Annual return | -19.51% | -13.19%-6.3pp | 339.04%-358.6pp | -7.85%-11.7pp |
| Employer contribution / active EE | $609 | $696-12.6% | $1,160-47.5% | $2,597-76.6% |
| Participant deferral / active EE | $1,904 | $1,264+50.7% | $2,125-10.4% | $4,028-52.7% |
| Admin fee / account holder | $5,091 | $2,012+153.0% | $2,132+138.8% | $5,403-5.8% |