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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 | $11,215 | $27,632-59.4% | $61,452-81.7% | $68,486-83.6% |
| Participation rate | 47.9% | 39.5%+8.4pp | 52.6%-4.7pp | 67.9%-20.0pp |
| Annual return | -19.11% | -13.24%-5.9pp | 338.96%-358.1pp | -7.85%-11.3pp |
| Employer contribution / active EE | $435 | $696-37.4% | $1,160-62.5% | $2,597-83.2% |
| Participant deferral / active EE | $526 | $1,264-58.3% | $2,125-75.2% | $4,028-86.9% |
| Admin fee / account holder | $1,439 | $2,010-28.4% | $2,131-32.5% | $5,404-73.4% |