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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 | $27,955 | $45,872-39.1% | $77,081-63.7% | $68,495-59.2% |
| Participation rate | 33.3% | 55.9%-22.6pp | 67.9%-34.6pp | 67.9%-34.6pp |
| Annual return | -7.09% | 1.73%-8.8pp | 42.33%-49.4pp | -7.84%+0.8pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,813-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $812 | $2,963-72.6% | $4,428-81.7% | $4,028-79.8% |
| Admin fee / account holder | $374 | $3,041-87.7% | $5,427-93.1% | $5,403-93.1% |