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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 | $42,631 | $27,639+54.2% | $61,501-30.7% | $68,490-37.8% |
| Participation rate | 38.7% | 39.5%-0.8pp | 52.6%-13.9pp | 67.9%-29.2pp |
| Annual return | -17.49% | -13.19%-4.3pp | 339.04%-356.5pp | -7.85%-9.6pp |
| Employer contribution / active EE | $637 | $696-8.5% | $1,160-45.1% | $2,597-75.5% |
| Participant deferral / active EE | $1,231 | $1,264-2.6% | $2,125-42.1% | $4,028-69.4% |
| Admin fee / account holder | $1,010 | $2,012-49.8% | $2,132-52.6% | $5,403-81.3% |