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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 | $38,918 | $45,566-14.6% | $64,105-39.3% | $59,633-34.7% |
| Participation rate | 48.9% | 60.2%-11.3pp | 68.2%-19.3pp | 68.7%-19.8pp |
| Annual return | -2.48% | 4.95%-7.4pp | 791.24%-793.7pp | 2041.40%-2043.9pp |
| Employer contribution / active EE | $395 | $934-57.7% | $1,820-78.3% | $2,203-82.1% |
| Participant deferral / active EE | $3,522 | $2,057+71.3% | $2,822+24.8% | $3,192+10.4% |
| Admin fee / account holder | $2,282 | $3,268-30.2% | $4,499-49.3% | $4,297-46.9% |