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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 | $26,439 | $45,872-42.4% | $77,081-65.7% | $68,495-61.4% |
| Participation rate | 34.2% | 55.9%-21.7pp | 67.9%-33.7pp | 67.9%-33.7pp |
| Annual return | -15.07% | 1.73%-16.8pp | 42.33%-57.4pp | -7.84%-7.2pp |
| Employer contribution / active EE | $250 | $1,650-84.8% | $2,813-91.1% | $2,596-90.4% |
| Participant deferral / active EE | $1,502 | $2,963-49.3% | $4,428-66.1% | $4,028-62.7% |
| Admin fee / account holder | $1,854 | $3,041-39.0% | $5,427-65.8% | $5,403-65.7% |