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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 | $24,652 | $27,632-10.8% | $61,452-59.9% | $68,486-64.0% |
| Participation rate | 33.3% | 39.5%-6.2pp | 52.6%-19.2pp | 67.9%-34.6pp |
| Annual return | -18.35% | -13.24%-5.1pp | 338.96%-357.3pp | -7.85%-10.5pp |
| Employer contribution / active EE | $116 | $696-83.4% | $1,160-90.0% | $2,597-95.5% |
| Participant deferral / active EE | $757 | $1,264-40.1% | $2,125-64.4% | $4,028-81.2% |
| Admin fee / account holder | $673 | $2,010-66.5% | $2,131-68.4% | $5,404-87.5% |