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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 | $34,962 | $54,370-35.7% | $82,763-57.8% | $68,490-49.0% |
| Participation rate | 38.7% | 63.9%-25.3pp | 72.6%-33.9pp | 67.9%-29.2pp |
| Annual return | -17.82% | -13.67%-4.1pp | 702.45%-720.3pp | -7.85%-10.0pp |
| Employer contribution / active EE | $867 | $2,219-60.9% | $3,008-71.2% | $2,597-66.6% |
| Participant deferral / active EE | $1,364 | $3,247-58.0% | $4,395-69.0% | $4,028-66.1% |
| Admin fee / account holder | $3,647 | $4,398-17.1% | $5,325-31.5% | $5,403-32.5% |