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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 | $32,216 | $32,117+0.3% | $71,086-54.7% | $64,173-49.8% |
| Participation rate | 40.3% | 42.7%-2.4pp | 54.7%-14.3pp | 69.6%-29.2pp |
| Annual return | -8.26% | -5.57%-2.7pp | 650.59%-658.8pp | 7.63%-15.9pp |
| Employer contribution / active EE | $783 | $712+10.0% | $1,088-28.0% | $2,381-67.1% |
| Participant deferral / active EE | $806 | $1,263-36.2% | $1,874-57.0% | $3,470-76.8% |
| Admin fee / account holder | $6,292 | $2,759+128.0% | $3,082+104.1% | $4,887+28.7% |