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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 | $39,575 | $54,370-27.2% | $82,763-52.2% | $68,490-42.2% |
| Participation rate | 53.7% | 63.9%-10.2pp | 72.6%-18.8pp | 67.9%-14.2pp |
| Annual return | -10.40% | -13.67%+3.3pp | 702.45%-712.8pp | -7.85%-2.5pp |
| Employer contribution / active EE | $1,269 | $2,219-42.8% | $3,008-57.8% | $2,597-51.1% |
| Participant deferral / active EE | $2,345 | $3,247-27.8% | $4,395-46.7% | $4,028-41.8% |
| Admin fee / account holder | $2,130 | $4,398-51.6% | $5,325-60.0% | $5,403-60.6% |