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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 | $9,837 | $27,632-64.4% | $61,399-84.0% | $68,495-85.6% |
| Participation rate | 67.6% | 39.5%+28.1pp | 52.6%+15.0pp | 67.9%-0.3pp |
| Annual return | -20.38% | -13.24%-7.1pp | 338.81%-359.2pp | -7.84%-12.5pp |
| Employer contribution / active EE | $589 | $696-15.4% | $1,159-49.2% | $2,596-77.3% |
| Participant deferral / active EE | $1,052 | $1,264-16.7% | $2,124-50.5% | $4,028-73.9% |
| Admin fee / account holder | $807 | $2,010-59.9% | $2,131-62.1% | $5,403-85.1% |