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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 | $42,266 | $69,012-38.8% | $160,037-73.6% | $68,490-38.3% |
| Participation rate | 40.5% | 65.4%-24.9pp | 78.0%-37.4pp | 67.9%-27.4pp |
| Annual return | -19.23% | -9.65%-9.6pp | 408.95%-428.2pp | -7.85%-11.4pp |
| Employer contribution / active EE | $1,104 | $2,212-50.1% | $4,226-73.9% | $2,597-57.5% |
| Participant deferral / active EE | $2,559 | $4,212-39.2% | $6,184-58.6% | $4,028-36.5% |
| Admin fee / account holder | $1,454 | $4,798-69.7% | $8,716-83.3% | $5,403-73.1% |