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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 | $14,736 | $65,092-77.4% | $143,799-89.8% | $66,938-78.0% |
| Participation rate | 27.0% | 65.2%-38.2pp | 80.3%-53.3pp | 69.8%-42.8pp |
| Annual return | -15.40% | -11.14%-4.3pp | -0.04%-15.4pp | 1.58%-17.0pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $970 | $2,920-66.8% | $5,638-82.8% | $4,238-77.1% |
| Admin fee / account holder | $2,816 | $502+460.6% | $14,677-80.8% | $594+374.5% |