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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 | $12,309 | $27,626-55.4% | $61,389-79.9% | $68,498-82.0% |
| Participation rate | 60.0% | 39.5%+20.5pp | 52.6%+7.4pp | 67.9%-7.9pp |
| Annual return | -19.53% | -13.24%-6.3pp | 338.73%-358.3pp | -7.84%-11.7pp |
| Employer contribution / active EE | $1,089 | $696+56.5% | $1,160-6.1% | $2,596-58.1% |
| Participant deferral / active EE | $2,769 | $1,263+119.2% | $2,125+30.3% | $4,027-31.3% |
| Admin fee / account holder | $622 | $2,010-69.1% | $2,130-70.8% | $5,403-88.5% |