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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 | $25,125 | $75,962-66.9% | $154,108-83.7% | $64,173-60.8% |
| Participation rate | 45.7% | 70.4%-24.8pp | 83.0%-37.4pp | 69.6%-23.9pp |
| Annual return | -4.42% | 30.32%-34.7pp | 735.21%-739.6pp | 7.63%-12.0pp |
| Employer contribution / active EE | $1,249 | $3,350-62.7% | $5,298-76.4% | $2,381-47.5% |
| Participant deferral / active EE | $2,282 | $3,175-28.1% | $5,081-55.1% | $3,470-34.2% |
| Admin fee / account holder | $13,024 | $5,589+133.0% | $13,411-2.9% | $4,887+166.5% |