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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 | $25,202 | $27,632-8.8% | $61,452-59.0% | $68,486-63.2% |
| Participation rate | 54.5% | 39.5%+15.0pp | 52.6%+2.0pp | 67.9%-13.3pp |
| Annual return | -16.80% | -13.24%-3.6pp | 338.96%-355.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,160-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,422 | $1,264+12.5% | $2,125-33.1% | $4,028-64.7% |
| Admin fee / account holder | $1,288 | $2,010-35.9% | $2,131-39.5% | $5,404-76.2% |