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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 | $37,083 | $54,370-31.8% | $82,763-55.2% | $68,490-45.9% |
| Participation rate | 39.6% | 63.9%-24.3pp | 72.6%-32.9pp | 67.9%-28.3pp |
| Annual return | -15.71% | -13.67%-2.0pp | 702.45%-718.2pp | -7.85%-7.9pp |
| Employer contribution / active EE | $430 | $2,219-80.6% | $3,008-85.7% | $2,597-83.4% |
| Participant deferral / active EE | $1,923 | $3,247-40.8% | $4,395-56.2% | $4,028-52.2% |
| Admin fee / account holder | $3,006 | $4,398-31.6% | $5,325-43.5% | $5,403-44.4% |