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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 | $16,095 | $73,863-78.2% | $143,797-88.8% | $68,490-76.5% |
| Participation rate | 42.6% | 66.7%-24.1pp | 80.3%-37.7pp | 67.9%-25.3pp |
| Annual return | -17.16% | 0.91%-18.1pp | -0.04%-17.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $864 | $3,185-72.9% | $4,952-82.6% | $2,597-66.7% |
| Participant deferral / active EE | $2,277 | $3,385-32.7% | $5,638-59.6% | $4,028-43.5% |
| Admin fee / account holder | $636 | $5,756-89.0% | $14,679-95.7% | $5,403-88.2% |