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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 | $34,358 | $27,632+24.3% | $61,399-44.0% | $68,495-49.8% |
| Participation rate | 47.6% | 39.5%+8.1pp | 52.6%-4.9pp | 67.9%-20.3pp |
| Annual return | -16.52% | -13.24%-3.3pp | 338.81%-355.3pp | -7.84%-8.7pp |
| Employer contribution / active EE | $732 | $696+5.3% | $1,159-36.8% | $2,596-71.8% |
| Participant deferral / active EE | $1,496 | $1,264+18.4% | $2,124-29.6% | $4,028-62.8% |
| Admin fee / account holder | $1,361 | $2,010-32.3% | $2,131-36.1% | $5,403-74.8% |