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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 | $37,756 | $95,895-60.6% | $79,576-52.6% | $134,509-71.9% |
| Participation rate | 45.5% | 75.0%-29.6pp | 69.5%-24.0pp | 81.2%-35.8pp |
| Annual return | -12.30% | -2.72%-9.6pp | 0.15%-12.4pp | 418.13%-430.4pp |
| Employer contribution / active EE | $1,020 | $3,128-67.4% | $2,413-57.7% | $4,741-78.5% |
| Participant deferral / active EE | $1,705 | $4,693-63.7% | $3,985-57.2% | $6,400-73.4% |
| Admin fee / account holder | $475 | $9,129-94.8% | $6,834-93.0% | $11,427-95.8% |