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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 | $20,590 | $47,977-57.1% | $154,108-86.6% | $56,289-63.4% |
| Participation rate | 42.6% | 66.2%-23.6pp | 83.0%-40.5pp | 69.9%-27.3pp |
| Annual return | -5.66% | 3.54%-9.2pp | 735.21%-740.9pp | -9.96%+4.3pp |
| Employer contribution / active EE | $518 | $2,169-76.1% | $5,298-90.2% | $2,111-75.5% |
| Participant deferral / active EE | $1,277 | $2,392-46.6% | $5,081-74.9% | $3,350-61.9% |
| Admin fee / account holder | $6,087 | $438+1288.9% | $13,411-54.6% | $521+1068.3% |