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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 | $20,505 | $69,012-70.3% | $160,037-87.2% | $68,490-70.1% |
| Participation rate | 65.9% | 65.4%+0.4pp | 78.0%-12.1pp | 67.9%-2.0pp |
| Annual return | -17.47% | -9.65%-7.8pp | 408.95%-426.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $668 | $2,212-69.8% | $4,226-84.2% | $2,597-74.3% |
| Participant deferral / active EE | $2,345 | $4,212-44.3% | $6,184-62.1% | $4,028-41.8% |
| Admin fee / account holder | $1,615 | $4,798-66.4% | $8,716-81.5% | $5,403-70.1% |