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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 | $43,869 | $27,632+58.8% | $61,452-28.6% | $68,486-35.9% |
| Participation rate | 29.2% | 39.5%-10.3pp | 52.6%-23.3pp | 67.9%-38.7pp |
| Annual return | -16.80% | -13.24%-3.6pp | 338.96%-355.8pp | -7.85%-8.9pp |
| Employer contribution / active EE | $644 | $696-7.4% | $1,160-44.5% | $2,597-75.2% |
| Participant deferral / active EE | $1,266 | $1,264+0.2% | $2,125-40.4% | $4,028-68.6% |
| Admin fee / account holder | $1,222 | $2,010-39.2% | $2,131-42.6% | $5,404-77.4% |