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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 | $35,968 | $48,274-25.5% | $63,244-43.1% | $59,633-39.7% |
| Participation rate | 37.5% | 66.3%-28.8pp | 71.0%-33.5pp | 68.7%-31.2pp |
| Annual return | -0.89% | -240.79%+239.9pp | -70.31%+69.4pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $0 | $1,586-100.0% | $2,322-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,851 | $2,343-21.0% | $2,953-37.3% | $3,192-42.0% |
| Admin fee / account holder | $1,099 | $3,600-69.5% | $5,893-81.3% | $4,297-74.4% |