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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 | $16,478 | $27,639-40.4% | $61,501-73.2% | $68,490-75.9% |
| Participation rate | 61.5% | 39.5%+22.0pp | 52.6%+9.0pp | 67.9%-6.4pp |
| Annual return | -16.22% | -13.19%-3.0pp | 339.04%-355.3pp | -7.85%-8.4pp |
| Employer contribution / active EE | $790 | $696+13.5% | $1,160-31.9% | $2,597-69.6% |
| Participant deferral / active EE | $2,144 | $1,264+69.6% | $2,125+0.9% | $4,028-46.8% |
| Admin fee / account holder | $494 | $2,012-75.4% | $2,132-76.8% | $5,403-90.9% |