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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 | $11,451 | $27,632-58.6% | $61,399-81.4% | $68,495-83.3% |
| Participation rate | 50.0% | 39.5%+10.5pp | 52.6%-2.6pp | 67.9%-17.9pp |
| Annual return | -7.36% | -13.24%+5.9pp | 338.81%-346.2pp | -7.84%+0.5pp |
| Employer contribution / active EE | $519 | $696-25.4% | $1,159-55.2% | $2,596-80.0% |
| Participant deferral / active EE | $1,075 | $1,264-14.9% | $2,124-49.4% | $4,028-73.3% |
| Admin fee / account holder | $668 | $2,010-66.8% | $2,131-68.7% | $5,403-87.6% |