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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 | $88,338 | $32,117+175.1% | $71,086+24.3% | $64,181+37.6% |
| Participation rate | 14.3% | 42.7%-28.4pp | 54.7%-40.4pp | 69.6%-55.3pp |
| Annual return | -8.04% | -5.57%-2.5pp | 650.59%-658.6pp | 7.63%-15.7pp |
| Employer contribution / active EE | $495 | $712-30.5% | $1,088-54.5% | $2,381-79.2% |
| Participant deferral / active EE | $1,234 | $1,263-2.3% | $1,874-34.2% | $3,470-64.4% |
| Admin fee / account holder | $2,132 | $2,759-22.7% | $3,082-30.8% | $4,887-56.4% |