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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 | $24,742 | $27,626-10.4% | $61,389-59.7% | $68,498-63.9% |
| Participation rate | 29.5% | 39.5%-10.0pp | 52.6%-23.0pp | 67.9%-38.3pp |
| Annual return | -18.29% | -13.24%-5.1pp | 338.73%-357.0pp | -7.84%-10.4pp |
| Employer contribution / active EE | $426 | $696-38.8% | $1,160-63.3% | $2,596-83.6% |
| Participant deferral / active EE | $1,270 | $1,263+0.5% | $2,125-40.2% | $4,027-68.5% |
| Admin fee / account holder | $758 | $2,010-62.3% | $2,130-64.4% | $5,403-86.0% |