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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 | $19,214 | $27,632-30.5% | $61,452-68.7% | $68,486-71.9% |
| Participation rate | 31.3% | 39.5%-8.3pp | 52.6%-21.3pp | 67.9%-36.6pp |
| Annual return | -19.41% | -13.24%-6.2pp | 338.96%-358.4pp | -7.85%-11.6pp |
| Employer contribution / active EE | $303 | $696-56.5% | $1,160-73.9% | $2,597-88.3% |
| Participant deferral / active EE | $1,072 | $1,264-15.2% | $2,125-49.6% | $4,028-73.4% |
| Admin fee / account holder | $507 | $2,010-74.8% | $2,131-76.2% | $5,404-90.6% |