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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 | $26,519 | $54,355-51.2% | $82,744-68.0% | $68,486-61.3% |
| Participation rate | 49.1% | 63.9%-14.8pp | 72.6%-23.4pp | 67.9%-18.8pp |
| Annual return | -19.53% | -13.67%-5.9pp | 702.22%-721.7pp | -7.85%-11.7pp |
| Employer contribution / active EE | $635 | $2,219-71.4% | $3,008-78.9% | $2,597-75.5% |
| Participant deferral / active EE | $1,796 | $3,246-44.7% | $4,395-59.1% | $4,028-55.4% |
| Admin fee / account holder | $4,609 | $4,397+4.8% | $5,325-13.4% | $5,404-14.7% |