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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 | $45,862 | $69,012-33.5% | $160,009-71.3% | $68,486-33.0% |
| Participation rate | 27.3% | 65.4%-38.2pp | 78.0%-50.7pp | 67.9%-40.6pp |
| Annual return | -18.28% | -9.65%-8.6pp | 408.85%-427.1pp | -7.85%-10.4pp |
| Employer contribution / active EE | $640 | $2,212-71.1% | $4,225-84.8% | $2,597-75.3% |
| Participant deferral / active EE | $1,743 | $4,212-58.6% | $6,183-71.8% | $4,028-56.7% |
| Admin fee / account holder | $1,200 | $4,798-75.0% | $8,715-86.2% | $5,404-77.8% |