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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 | $40,386 | $27,639+46.1% | $61,501-34.3% | $68,490-41.0% |
| Participation rate | 35.6% | 39.5%-4.0pp | 52.6%-17.0pp | 67.9%-32.3pp |
| Annual return | -16.65% | -13.19%-3.5pp | 339.04%-355.7pp | -7.85%-8.8pp |
| Employer contribution / active EE | $724 | $696+4.0% | $1,160-37.6% | $2,597-72.1% |
| Participant deferral / active EE | $2,480 | $1,264+96.2% | $2,125+16.7% | $4,028-38.4% |
| Admin fee / account holder | $21,757 | $2,012+981.1% | $2,132+920.7% | $5,403+302.7% |