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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 | $15,785 | $27,632-42.9% | $61,452-74.3% | $68,486-77.0% |
| Participation rate | 41.0% | 39.5%+1.5pp | 52.6%-11.6pp | 67.9%-26.9pp |
| Annual return | -17.40% | -13.24%-4.2pp | 338.96%-356.4pp | -7.85%-9.5pp |
| Employer contribution / active EE | $718 | $696+3.2% | $1,160-38.1% | $2,597-72.4% |
| Participant deferral / active EE | $1,100 | $1,264-12.9% | $2,125-48.2% | $4,028-72.7% |
| Admin fee / account holder | $5,594 | $2,010+178.3% | $2,131+162.5% | $5,404+3.5% |