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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 | $18,106 | $27,639-34.5% | $61,501-70.6% | $68,490-73.6% |
| Participation rate | 40.0% | 39.5%+0.5pp | 52.6%-12.6pp | 67.9%-27.9pp |
| Annual return | -6.36% | -13.19%+6.8pp | 339.04%-345.4pp | -7.85%+1.5pp |
| Employer contribution / active EE | $907 | $696+30.3% | $1,160-21.8% | $2,597-65.1% |
| Participant deferral / active EE | $2,465 | $1,264+95.0% | $2,125+16.0% | $4,028-38.8% |
| Admin fee / account holder | $922 | $2,012-54.2% | $2,132-56.8% | $5,403-82.9% |