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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 | $23,062 | $27,632-16.5% | $61,452-62.5% | $68,486-66.3% |
| Participation rate | 50.0% | 39.5%+10.5pp | 52.6%-2.6pp | 67.9%-17.9pp |
| Annual return | -19.96% | -13.24%-6.7pp | 338.96%-358.9pp | -7.85%-12.1pp |
| Employer contribution / active EE | $1,941 | $696+179.0% | $1,160+67.4% | $2,597-25.2% |
| Participant deferral / active EE | $3,008 | $1,264+138.0% | $2,125+41.6% | $4,028-25.3% |
| Admin fee / account holder | $347 | $2,010-82.8% | $2,131-83.7% | $5,404-93.6% |