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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 | $21,886 | $27,632-20.8% | $61,399-64.4% | $68,495-68.0% |
| Participation rate | 41.3% | 39.5%+1.8pp | 52.6%-11.3pp | 67.9%-26.6pp |
| Annual return | -20.18% | -13.24%-6.9pp | 338.81%-359.0pp | -7.84%-12.3pp |
| Employer contribution / active EE | $922 | $696+32.5% | $1,159-20.5% | $2,596-64.5% |
| Participant deferral / active EE | $2,225 | $1,264+76.1% | $2,124+4.7% | $4,028-44.8% |
| Admin fee / account holder | $2,351 | $2,010+17.0% | $2,131+10.3% | $5,403-56.5% |