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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 | $28,681 | $75,962-62.2% | $154,108-81.4% | $64,173-55.3% |
| Participation rate | 69.6% | 70.4%-0.8pp | 83.0%-13.4pp | 69.6%+0.1pp |
| Annual return | -5.65% | 30.32%-36.0pp | 735.21%-740.9pp | 7.63%-13.3pp |
| Employer contribution / active EE | $617 | $3,350-81.6% | $5,298-88.4% | $2,381-74.1% |
| Participant deferral / active EE | $1,344 | $3,175-57.7% | $5,081-73.6% | $3,470-61.3% |
| Admin fee / account holder | $2,138 | $5,589-61.8% | $13,411-84.1% | $4,887-56.3% |