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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 | $29,734 | $27,639+7.6% | $61,501-51.7% | $68,490-56.6% |
| Participation rate | 48.5% | 39.5%+9.0pp | 52.6%-4.1pp | 67.9%-19.4pp |
| Annual return | -14.62% | -13.19%-1.4pp | 339.04%-353.7pp | -7.85%-6.8pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $849 | $1,264-32.8% | $2,125-60.0% | $4,028-78.9% |
| Admin fee / account holder | $1,510 | $2,012-25.0% | $2,132-29.2% | $5,403-72.0% |