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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 | $25,673 | $84,518-69.6% | $67,704-62.1% | $125,389-79.5% |
| Participation rate | 60.0% | 74.8%-14.8pp | 67.5%-7.5pp | 83.2%-23.2pp |
| Annual return | -0.94% | 2.57%-3.5pp | 25.41%-26.3pp | 282.24%-283.2pp |
| Employer contribution / active EE | $1,008 | $3,292-69.4% | $2,559-60.6% | $4,866-79.3% |
| Participant deferral / active EE | $3,654 | $4,430-17.5% | $3,585+1.9% | $5,352-31.7% |
| Admin fee / account holder | $406 | $5,340-92.4% | $4,255-90.5% | $9,541-95.7% |