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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 | $23,034 | $27,632-16.6% | $61,452-62.5% | $68,486-66.4% |
| Participation rate | 57.8% | 39.5%+18.3pp | 52.6%+5.2pp | 67.9%-10.1pp |
| Annual return | -18.23% | -13.24%-5.0pp | 338.96%-357.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $452 | $696-35.0% | $1,160-61.0% | $2,597-82.6% |
| Participant deferral / active EE | $1,273 | $1,264+0.8% | $2,125-40.1% | $4,028-68.4% |
| Admin fee / account holder | $914 | $2,010-54.5% | $2,131-57.1% | $5,404-83.1% |