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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 | $41,869 | $49,177-14.9% | $79,467-47.3% | $64,173-34.8% |
| Participation rate | 37.1% | 65.0%-28.0pp | 73.3%-36.3pp | 69.6%-32.5pp |
| Annual return | -4.13% | -1.16%-3.0pp | 718.30%-722.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $387 | $2,076-81.4% | $2,800-86.2% | $2,381-83.8% |
| Participant deferral / active EE | $1,659 | $2,821-41.2% | $3,704-55.2% | $3,470-52.2% |
| Admin fee / account holder | $13,206 | $3,839+244.0% | $5,104+158.7% | $4,887+170.2% |