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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 | $18,821 | $54,355-65.4% | $82,744-77.3% | $68,486-72.5% |
| Participation rate | 28.6% | 63.9%-35.4pp | 72.6%-44.0pp | 67.9%-39.3pp |
| Annual return | -17.81% | -13.67%-4.1pp | 702.22%-720.0pp | -7.85%-10.0pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $980 | $3,246-69.8% | $4,395-77.7% | $4,028-75.7% |
| Admin fee / account holder | $1,562 | $4,397-64.5% | $5,325-70.7% | $5,404-71.1% |