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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 | $24,249 | $93,117-74.0% | $77,096-68.5% | $134,532-82.0% |
| Participation rate | 63.6% | 74.5%-10.9pp | 67.9%-4.3pp | 81.2%-17.6pp |
| Annual return | -20.77% | 62.67%-83.4pp | 42.35%-63.1pp | 418.27%-439.0pp |
| Employer contribution / active EE | $1,320 | $3,420-61.4% | $2,814-53.1% | $4,741-72.2% |
| Participant deferral / active EE | $3,916 | $5,241-25.3% | $4,429-11.6% | $6,401-38.8% |
| Admin fee / account holder | $1,139 | $6,948-83.6% | $5,428-79.0% | $11,429-90.0% |