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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 | $33,181 | $27,632+20.1% | $61,452-46.0% | $68,486-51.6% |
| Participation rate | 50.9% | 39.5%+11.4pp | 52.6%-1.6pp | 67.9%-17.0pp |
| Annual return | -7.52% | -13.24%+5.7pp | 338.96%-346.5pp | -7.85%+0.3pp |
| Employer contribution / active EE | $433 | $696-37.8% | $1,160-62.7% | $2,597-83.3% |
| Participant deferral / active EE | $1,237 | $1,264-2.1% | $2,125-41.8% | $4,028-69.3% |
| Admin fee / account holder | $644 | $2,010-67.9% | $2,131-69.8% | $5,404-88.1% |