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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 | $42,877 | $82,288-47.9% | $68,790-37.7% | $134,493-68.1% |
| Participation rate | 38.9% | 75.1%-36.2pp | 69.0%-30.1pp | 81.2%-42.3pp |
| Annual return | -12.09% | -2.19%-9.9pp | -6.38%-5.7pp | 418.01%-430.1pp |
| Employer contribution / active EE | $977 | $3,301-70.4% | $2,655-63.2% | $4,740-79.4% |
| Participant deferral / active EE | $3,544 | $4,738-25.2% | $3,941-10.1% | $6,400-44.6% |
| Admin fee / account holder | $10,288 | $6,482+58.7% | $4,934+108.5% | $11,425-10.0% |