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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 | $89,309 | $54,355+64.3% | $82,744+7.9% | $68,486+30.4% |
| Participation rate | 20.8% | 63.9%-43.1pp | 72.6%-51.8pp | 67.9%-47.1pp |
| Annual return | -19.28% | -13.67%-5.6pp | 702.22%-721.5pp | -7.85%-11.4pp |
| Employer contribution / active EE | $686 | $2,219-69.1% | $3,008-77.2% | $2,597-73.6% |
| Participant deferral / active EE | $1,712 | $3,246-47.3% | $4,395-61.0% | $4,028-57.5% |
| Admin fee / account holder | $5,980 | $4,397+36.0% | $5,325+12.3% | $5,404+10.7% |