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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 | $23,135 | $27,632-16.3% | $61,452-62.4% | $68,486-66.2% |
| Participation rate | 17.2% | 39.5%-22.3pp | 52.6%-35.3pp | 67.9%-50.7pp |
| Annual return | -15.46% | -13.24%-2.2pp | 338.96%-354.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $284 | $696-59.2% | $1,160-75.5% | $2,597-89.1% |
| Participant deferral / active EE | $269 | $1,264-78.7% | $2,125-87.3% | $4,028-93.3% |
| Admin fee / account holder | $33,153 | $2,010+1549.3% | $2,131+1455.8% | $5,404+513.5% |