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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 | $25,792 | $44,873-42.5% | $79,466-67.5% | $56,287-54.2% |
| Participation rate | 21.6% | 68.7%-47.2pp | 73.3%-51.8pp | 69.9%-48.3pp |
| Annual return | -3.26% | 0.81%-4.1pp | 718.28%-721.5pp | -9.96%+6.7pp |
| Employer contribution / active EE | $775 | $2,140-63.8% | $2,800-72.3% | $2,111-63.3% |
| Participant deferral / active EE | $1,471 | $2,746-46.4% | $3,704-60.3% | $3,350-56.1% |
| Admin fee / account holder | $1,746 | $418+317.3% | $5,104-65.8% | $521+235.2% |