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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 | $21,392 | $27,632-22.6% | $61,452-65.2% | $68,486-68.8% |
| Participation rate | 14.9% | 39.5%-24.6pp | 52.6%-37.7pp | 67.9%-53.0pp |
| Annual return | -16.04% | -13.24%-2.8pp | 338.96%-355.0pp | -7.85%-8.2pp |
| Employer contribution / active EE | $634 | $696-8.9% | $1,160-45.3% | $2,597-75.6% |
| Participant deferral / active EE | $1,608 | $1,264+27.3% | $2,125-24.3% | $4,028-60.1% |
| Admin fee / account holder | $999 | $2,010-50.3% | $2,131-53.1% | $5,404-81.5% |