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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 | $89,224 | $95,915-7.0% | $79,580+12.1% | $134,532-33.7% |
| Participation rate | 35.7% | 75.0%-39.3pp | 69.5%-33.8pp | 81.2%-45.5pp |
| Annual return | -19.59% | -2.71%-16.9pp | 0.15%-19.7pp | 418.27%-437.9pp |
| Employer contribution / active EE | $608 | $3,129-80.6% | $2,413-74.8% | $4,741-87.2% |
| Participant deferral / active EE | $3,781 | $4,693-19.4% | $3,985-5.1% | $6,401-40.9% |
| Admin fee / account holder | $858 | $9,132-90.6% | $6,835-87.4% | $11,429-92.5% |