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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 | $27,029 | $32,117-15.8% | $71,086-62.0% | $64,181-57.9% |
| Participation rate | 46.7% | 42.7%+4.0pp | 54.7%-8.0pp | 69.6%-22.9pp |
| Annual return | -8.52% | -5.57%-2.9pp | 650.59%-659.1pp | 7.63%-16.1pp |
| Employer contribution / active EE | $388 | $712-45.5% | $1,088-64.3% | $2,381-83.7% |
| Participant deferral / active EE | $1,038 | $1,263-17.8% | $1,874-44.6% | $3,470-70.1% |
| Admin fee / account holder | $580 | $2,759-79.0% | $3,082-81.2% | $4,887-88.1% |