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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 | $26,710 | $27,639-3.4% | $61,501-56.6% | $68,490-61.0% |
| Participation rate | 42.9% | 39.5%+3.3pp | 52.6%-9.7pp | 67.9%-25.0pp |
| Annual return | -19.33% | -13.19%-6.1pp | 339.04%-358.4pp | -7.85%-11.5pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,107 | $1,264+66.8% | $2,125-0.8% | $4,028-47.7% |
| Admin fee / account holder | $700 | $2,012-65.2% | $2,132-67.1% | $5,403-87.0% |