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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 | $38,532 | $82,288-53.2% | $68,794-44.0% | $134,509-71.4% |
| Participation rate | 29.4% | 75.1%-45.6pp | 69.0%-39.6pp | 81.2%-51.8pp |
| Annual return | -18.47% | -2.19%-16.3pp | -6.37%-12.1pp | 418.13%-436.6pp |
| Employer contribution / active EE | $1,165 | $3,301-64.7% | $2,656-56.1% | $4,741-75.4% |
| Participant deferral / active EE | $3,158 | $4,738-33.3% | $3,941-19.9% | $6,400-50.7% |
| Admin fee / account holder | $1,370 | $6,482-78.9% | $4,934-72.2% | $11,427-88.0% |