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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 | $25,419 | $27,632-8.0% | $61,399-58.6% | $68,495-62.9% |
| Participation rate | 23.1% | 39.5%-16.4pp | 52.6%-29.5pp | 67.9%-44.8pp |
| Annual return | -21.06% | -13.24%-7.8pp | 338.81%-359.9pp | -7.84%-13.2pp |
| Employer contribution / active EE | $555 | $696-20.2% | $1,159-52.1% | $2,596-78.6% |
| Participant deferral / active EE | $1,623 | $1,264+28.5% | $2,124-23.6% | $4,028-59.7% |
| Admin fee / account holder | $1,858 | $2,010-7.6% | $2,131-12.8% | $5,403-65.6% |