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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 | $13,202 | $27,632-52.2% | $61,452-78.5% | $68,486-80.7% |
| Participation rate | 48.4% | 39.5%+8.9pp | 52.6%-4.2pp | 67.9%-19.5pp |
| Annual return | -18.52% | -13.24%-5.3pp | 338.96%-357.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $704 | $696+1.2% | $1,160-39.3% | $2,597-72.9% |
| Participant deferral / active EE | $966 | $1,264-23.5% | $2,125-54.5% | $4,028-76.0% |
| Admin fee / account holder | $989 | $2,010-50.8% | $2,131-53.6% | $5,404-81.7% |