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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 | $70,264 | $54,370+29.2% | $82,763-15.1% | $68,490+2.6% |
| Participation rate | 34.0% | 63.9%-29.9pp | 72.6%-38.6pp | 67.9%-33.9pp |
| Annual return | -15.14% | -13.67%-1.5pp | 702.45%-717.6pp | -7.85%-7.3pp |
| Employer contribution / active EE | $827 | $2,219-62.7% | $3,008-72.5% | $2,597-68.1% |
| Participant deferral / active EE | $1,529 | $3,247-52.9% | $4,395-65.2% | $4,028-62.0% |
| Admin fee / account holder | $2,459 | $4,398-44.1% | $5,325-53.8% | $5,403-54.5% |