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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 | $32,535 | $51,226-36.5% | $82,744-60.7% | $66,938-51.4% |
| Participation rate | 60.4% | 67.9%-7.5pp | 72.6%-12.2pp | 69.8%-9.4pp |
| Annual return | 65.80% | -9.61%+75.4pp | 702.22%-636.4pp | 1.58%+64.2pp |
| Employer contribution / active EE | $574 | $2,612-78.0% | $3,008-80.9% | $2,545-77.4% |
| Participant deferral / active EE | $2,398 | $3,460-30.7% | $4,395-45.4% | $4,238-43.4% |
| Admin fee / account holder | $2,204 | $416+430.4% | $5,325-58.6% | $594+271.3% |