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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 | $44,319 | $27,639+60.4% | $61,501-27.9% | $68,490-35.3% |
| Participation rate | 22.9% | 39.5%-16.6pp | 52.6%-29.7pp | 67.9%-45.0pp |
| Annual return | -13.02% | -13.19%+0.2pp | 339.04%-352.1pp | -7.85%-5.2pp |
| Employer contribution / active EE | $512 | $696-26.5% | $1,160-55.9% | $2,597-80.3% |
| Participant deferral / active EE | $1,581 | $1,264+25.1% | $2,125-25.6% | $4,028-60.7% |
| Admin fee / account holder | $3,007 | $2,012+49.4% | $2,132+41.1% | $5,403-44.3% |