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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 | $20,706 | $27,639-25.1% | $61,501-66.3% | $68,490-69.8% |
| Participation rate | 20.6% | 39.5%-18.9pp | 52.6%-32.0pp | 67.9%-47.3pp |
| Annual return | -17.17% | -13.19%-4.0pp | 339.04%-356.2pp | -7.85%-9.3pp |
| Employer contribution / active EE | $906 | $696+30.2% | $1,160-21.9% | $2,597-65.1% |
| Participant deferral / active EE | $1,324 | $1,264+4.7% | $2,125-37.7% | $4,028-67.1% |
| Admin fee / account holder | $11,717 | $2,012+482.2% | $2,132+449.7% | $5,403+116.9% |