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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 | $49,546 | $27,639+79.3% | $61,501-19.4% | $68,490-27.7% |
| Participation rate | 24.6% | 39.5%-15.0pp | 52.6%-28.0pp | 67.9%-43.3pp |
| Annual return | -15.28% | -13.19%-2.1pp | 339.04%-354.3pp | -7.85%-7.4pp |
| Employer contribution / active EE | $495 | $696-28.9% | $1,160-57.3% | $2,597-80.9% |
| Participant deferral / active EE | $1,003 | $1,264-20.6% | $2,125-52.8% | $4,028-75.1% |
| Admin fee / account holder | $5,357 | $2,012+166.2% | $2,132+151.3% | $5,403-0.9% |