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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 | $36,513 | $54,357-32.8% | $82,706-55.9% | $68,495-46.7% |
| Participation rate | 37.8% | 63.9%-26.1pp | 72.6%-34.7pp | 67.9%-30.1pp |
| Annual return | -17.01% | -13.67%-3.3pp | 701.76%-718.8pp | -7.84%-9.2pp |
| Employer contribution / active EE | $1,527 | $2,218-31.1% | $3,007-49.2% | $2,596-41.2% |
| Participant deferral / active EE | $4,926 | $3,246+51.7% | $4,394+12.1% | $4,028+22.3% |
| Admin fee / account holder | $18,209 | $4,396+314.2% | $5,329+241.7% | $5,403+237.0% |