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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 | $7,947 | $27,639-71.2% | $61,501-87.1% | $68,490-88.4% |
| Participation rate | 13.8% | 39.5%-25.7pp | 52.6%-38.7pp | 67.9%-54.1pp |
| Annual return | -8.46% | -13.19%+4.7pp | 339.04%-347.5pp | -7.85%-0.6pp |
| Employer contribution / active EE | $219 | $696-68.5% | $1,160-81.1% | $2,597-91.6% |
| Participant deferral / active EE | $433 | $1,264-65.8% | $2,125-79.6% | $4,028-89.3% |
| Admin fee / account holder | $14,677 | $2,012+629.3% | $2,132+588.5% | $5,403+171.7% |