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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 | $33,116 | $49,177-32.7% | $79,467-58.3% | $64,173-48.4% |
| Participation rate | 38.9% | 65.0%-26.1pp | 73.3%-34.5pp | 69.6%-30.7pp |
| Annual return | -4.54% | -1.16%-3.4pp | 718.30%-722.8pp | 7.63%-12.2pp |
| Employer contribution / active EE | $470 | $2,076-77.4% | $2,800-83.2% | $2,381-80.3% |
| Participant deferral / active EE | $1,307 | $2,821-53.7% | $3,704-64.7% | $3,470-62.3% |
| Admin fee / account holder | $4,313 | $3,839+12.4% | $5,104-15.5% | $4,887-11.7% |