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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 | $38,054 | $85,790-55.6% | $67,313-43.5% | $135,380-71.9% |
| Participation rate | 63.6% | 76.5%-12.8pp | 69.1%-5.4pp | 82.6%-19.0pp |
| Annual return | -2.91% | -0.54%-2.4pp | -4.08%+1.2pp | 519.81%-522.7pp |
| Employer contribution / active EE | $0 | $3,487-100.0% | $2,566-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $1,752 | $4,651-62.3% | $3,568-50.9% | $5,609-68.8% |
| Admin fee / account holder | $560 | $6,392-91.2% | $4,507-87.6% | $10,828-94.8% |