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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 | $26,901 | $75,962-64.6% | $154,111-82.5% | $64,173-58.1% |
| Participation rate | 68.2% | 70.4%-2.2pp | 83.0%-14.9pp | 69.6%-1.4pp |
| Annual return | -4.19% | 30.32%-34.5pp | 735.18%-739.4pp | 7.63%-11.8pp |
| Employer contribution / active EE | $1,415 | $3,350-57.8% | $5,298-73.3% | $2,381-40.6% |
| Participant deferral / active EE | $3,400 | $3,175+7.1% | $5,081-33.1% | $3,470-2.0% |
| Admin fee / account holder | $14,217 | $5,589+154.4% | $13,411+6.0% | $4,887+190.9% |