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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 | $20,992 | $54,162-61.2% | $68,612-69.4% | $64,173-67.3% |
| Participation rate | 64.7% | 68.1%-3.3pp | 72.2%-7.5pp | 69.6%-4.9pp |
| Annual return | -5.85% | -1.62%-4.2pp | -4.63%-1.2pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,361 | $1,846-26.3% | $2,625-48.2% | $2,381-42.8% |
| Participant deferral / active EE | $2,244 | $2,626-14.5% | $3,311-32.2% | $3,470-35.3% |
| Admin fee / account holder | $8,194 | $4,029+103.4% | $5,131+59.7% | $4,887+67.7% |