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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 | $28,430 | $62,589-54.6% | $76,768-63.0% | $64,173-55.7% |
| Participation rate | 16.2% | 72.8%-56.6pp | 77.0%-60.7pp | 69.6%-53.4pp |
| Annual return | -3.26% | -1.95%-1.3pp | 2.43%-5.7pp | 7.63%-10.9pp |
| Employer contribution / active EE | $925 | $1,832-49.5% | $2,485-62.8% | $2,381-61.2% |
| Participant deferral / active EE | $1,577 | $3,145-49.8% | $3,852-59.1% | $3,470-54.5% |
| Admin fee / account holder | $860 | $4,667-81.6% | $6,675-87.1% | $4,887-82.4% |