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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 | $52,426 | $27,632+89.7% | $61,399-14.6% | $68,495-23.5% |
| Participation rate | 19.1% | 39.5%-20.4pp | 52.6%-33.5pp | 67.9%-48.8pp |
| Annual return | -16.98% | -13.24%-3.7pp | 338.81%-355.8pp | -7.84%-9.1pp |
| Employer contribution / active EE | $449 | $696-35.4% | $1,159-61.2% | $2,596-82.7% |
| Participant deferral / active EE | $1,057 | $1,264-16.3% | $2,124-50.2% | $4,028-73.8% |
| Admin fee / account holder | $1,169 | $2,010-41.8% | $2,131-45.1% | $5,403-78.4% |