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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 | $29,872 | $42,383-29.5% | $76,518-61.0% | $64,173-53.5% |
| Participation rate | 55.8% | 58.1%-2.4pp | 68.0%-12.2pp | 69.6%-13.8pp |
| Annual return | -1.33% | -16.54%+15.2pp | -0.27%-1.1pp | 7.63%-9.0pp |
| Employer contribution / active EE | $625 | $1,563-60.0% | $2,647-76.4% | $2,381-73.7% |
| Participant deferral / active EE | $2,634 | $2,566+2.6% | $3,836-31.3% | $3,470-24.1% |
| Admin fee / account holder | $14,487 | $3,198+353.0% | $4,849+198.8% | $4,887+196.4% |