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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 | $16,784 | $27,632-39.3% | $61,399-72.7% | $68,495-75.5% |
| Participation rate | 18.5% | 39.5%-21.0pp | 52.6%-34.1pp | 67.9%-49.4pp |
| Annual return | -17.86% | -13.24%-4.6pp | 338.81%-356.7pp | -7.84%-10.0pp |
| Employer contribution / active EE | $295 | $696-57.7% | $1,159-74.6% | $2,596-88.7% |
| Participant deferral / active EE | $1,240 | $1,264-1.8% | $2,124-41.6% | $4,028-69.2% |
| Admin fee / account holder | $1,136 | $2,010-43.5% | $2,131-46.7% | $5,403-79.0% |