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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 | $17,257 | $27,639-37.6% | $61,501-71.9% | $68,490-74.8% |
| Participation rate | 44.4% | 39.5%+4.9pp | 52.6%-8.1pp | 67.9%-23.5pp |
| Annual return | -18.94% | -13.19%-5.7pp | 339.04%-358.0pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,411 | $696+102.7% | $1,160+21.6% | $2,597-45.7% |
| Participant deferral / active EE | $2,594 | $1,264+105.3% | $2,125+22.1% | $4,028-35.6% |
| Admin fee / account holder | $2,889 | $2,012+43.6% | $2,132+35.5% | $5,403-46.5% |