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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 | $25,020 | $84,551-70.4% | $61,452-59.3% | $134,532-81.4% |
| Participation rate | 23.5% | 62.2%-38.7pp | 52.6%-29.0pp | 81.2%-57.7pp |
| Annual return | -17.30% | 585.39%-602.7pp | 338.96%-356.3pp | 418.27%-435.6pp |
| Employer contribution / active EE | $420 | $1,545-72.8% | $1,160-63.8% | $4,741-91.1% |
| Participant deferral / active EE | $1,909 | $2,818-32.3% | $2,125-10.1% | $6,401-70.2% |
| Admin fee / account holder | $3,914 | $2,587+51.3% | $2,131+83.7% | $11,429-65.7% |