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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 | $15,716 | $26,549-40.8% | $61,452-74.4% | $66,938-76.5% |
| Participation rate | 29.1% | 38.1%-9.0pp | 52.6%-23.5pp | 69.8%-40.7pp |
| Annual return | -19.63% | -16.21%-3.4pp | 338.96%-358.6pp | 1.58%-21.2pp |
| Employer contribution / active EE | $709 | $651+8.9% | $1,160-38.8% | $2,545-72.1% |
| Participant deferral / active EE | $1,301 | $1,338-2.8% | $2,125-38.8% | $4,238-69.3% |
| Admin fee / account holder | $489 | $409+19.6% | $2,131-77.1% | $594-17.7% |