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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 | $53,761 | $54,355-1.1% | $82,744-35.0% | $68,486-21.5% |
| Participation rate | 46.4% | 63.9%-17.5pp | 72.6%-26.1pp | 67.9%-21.5pp |
| Annual return | -16.64% | -13.67%-3.0pp | 702.22%-718.9pp | -7.85%-8.8pp |
| Employer contribution / active EE | $782 | $2,219-64.7% | $3,008-74.0% | $2,597-69.9% |
| Participant deferral / active EE | $1,687 | $3,246-48.0% | $4,395-61.6% | $4,028-58.1% |
| Admin fee / account holder | $622 | $4,397-85.8% | $5,325-88.3% | $5,404-88.5% |