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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 | $18,592 | $54,370-65.8% | $82,763-77.5% | $68,490-72.9% |
| Participation rate | 37.5% | 63.9%-26.4pp | 72.6%-35.1pp | 67.9%-30.4pp |
| Annual return | -18.76% | -13.67%-5.1pp | 702.45%-721.2pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,581 | $2,219-28.8% | $3,008-47.4% | $2,597-39.1% |
| Participant deferral / active EE | $2,490 | $3,247-23.3% | $4,395-43.3% | $4,028-38.2% |
| Admin fee / account holder | $13,701 | $4,398+211.5% | $5,325+157.3% | $5,403+153.6% |