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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 | $26,055 | $27,632-5.7% | $61,452-57.6% | $68,486-62.0% |
| Participation rate | 22.5% | 39.5%-17.0pp | 52.6%-30.0pp | 67.9%-45.4pp |
| Annual return | -20.18% | -13.24%-6.9pp | 338.96%-359.1pp | -7.85%-12.3pp |
| Employer contribution / active EE | $601 | $696-13.6% | $1,160-48.2% | $2,597-76.8% |
| Participant deferral / active EE | $978 | $1,264-22.6% | $2,125-54.0% | $4,028-75.7% |
| Admin fee / account holder | $2,413 | $2,010+20.1% | $2,131+13.3% | $5,404-55.3% |