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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 | $37,100 | $75,962-51.2% | $154,108-75.9% | $64,173-42.2% |
| Participation rate | 39.2% | 70.4%-31.2pp | 83.0%-43.8pp | 69.6%-30.3pp |
| Annual return | -6.23% | 30.32%-36.6pp | 735.21%-741.4pp | 7.63%-13.9pp |
| Employer contribution / active EE | $694 | $3,350-79.3% | $5,298-86.9% | $2,381-70.8% |
| Participant deferral / active EE | $1,793 | $3,175-43.5% | $5,081-64.7% | $3,470-48.3% |
| Admin fee / account holder | $3,352 | $5,589-40.0% | $13,411-75.0% | $4,887-31.4% |