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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 | $26,539 | $27,632-4.0% | $61,452-56.8% | $68,486-61.2% |
| Participation rate | 38.2% | 39.5%-1.3pp | 52.6%-14.3pp | 67.9%-29.7pp |
| Annual return | -18.62% | -13.24%-5.4pp | 338.96%-357.6pp | -7.85%-10.8pp |
| Employer contribution / active EE | $944 | $696+35.6% | $1,160-18.6% | $2,597-63.7% |
| Participant deferral / active EE | $1,905 | $1,264+50.8% | $2,125-10.3% | $4,028-52.7% |
| Admin fee / account holder | $618 | $2,010-69.3% | $2,131-71.0% | $5,404-88.6% |