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 | $21,996 | $45,566-51.7% | $64,101-65.7% | $59,633-63.1% |
| Participation rate | 43.5% | 60.2%-16.7pp | 68.2%-24.7pp | 68.7%-25.2pp |
| Annual return | -0.45% | 4.95%-5.4pp | 791.27%-791.7pp | 2041.47%-2041.9pp |
| Employer contribution / active EE | $482 | $934-48.4% | $1,820-73.5% | $2,203-78.1% |
| Participant deferral / active EE | $1,166 | $2,057-43.3% | $2,822-58.7% | $3,192-63.5% |
| Admin fee / account holder | $546 | $3,268-83.3% | $4,499-87.9% | $4,297-87.3% |