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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 | $39,512 | $75,962-48.0% | $154,111-74.4% | $64,173-38.4% |
| Participation rate | 42.9% | 70.4%-27.6pp | 83.0%-40.2pp | 69.6%-26.7pp |
| Annual return | -4.70% | 30.32%-35.0pp | 735.18%-739.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $676 | $3,350-79.8% | $5,298-87.2% | $2,381-71.6% |
| Participant deferral / active EE | $1,304 | $3,175-58.9% | $5,081-74.3% | $3,470-62.4% |
| Admin fee / account holder | $9,004 | $5,589+61.1% | $13,411-32.9% | $4,887+84.2% |