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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 | $24,873 | $27,632-10.0% | $61,452-59.5% | $68,486-63.7% |
| Participation rate | 53.6% | 39.5%+14.1pp | 52.6%+1.0pp | 67.9%-14.3pp |
| Annual return | -14.37% | -13.24%-1.1pp | 338.96%-353.3pp | -7.85%-6.5pp |
| Employer contribution / active EE | $986 | $696+41.8% | $1,160-14.9% | $2,597-62.0% |
| Participant deferral / active EE | $3,020 | $1,264+139.0% | $2,125+42.1% | $4,028-25.0% |
| Admin fee / account holder | $848 | $2,010-57.8% | $2,131-60.2% | $5,404-84.3% |