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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 | $13,723 | $27,632-50.3% | $61,399-77.6% | $68,495-80.0% |
| Participation rate | 53.7% | 39.5%+14.2pp | 52.6%+1.1pp | 67.9%-14.2pp |
| Annual return | -14.76% | -13.24%-1.5pp | 338.81%-353.6pp | -7.84%-6.9pp |
| Employer contribution / active EE | $827 | $696+18.8% | $1,159-28.7% | $2,596-68.2% |
| Participant deferral / active EE | $4,396 | $1,264+247.9% | $2,124+107.0% | $4,028+9.2% |
| Admin fee / account holder | $45,371 | $2,010+2157.0% | $2,131+2029.3% | $5,403+739.7% |