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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 | $23,035 | $26,549-13.2% | $61,501-62.5% | $66,949-65.6% |
| Participation rate | 22.0% | 38.1%-16.1pp | 52.6%-30.5pp | 69.8%-47.8pp |
| Annual return | -18.25% | -16.21%-2.0pp | 339.04%-357.3pp | 1.57%-19.8pp |
| Employer contribution / active EE | $625 | $651-4.0% | $1,160-46.1% | $2,545-75.4% |
| Participant deferral / active EE | $1,126 | $1,338-15.8% | $2,125-47.0% | $4,239-73.4% |
| Admin fee / account holder | $1,160 | $409+183.8% | $2,132-45.6% | $594+95.4% |