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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 | $30,398 | $48,267-37.0% | $68,808-55.8% | $68,486-55.6% |
| Participation rate | 27.9% | 60.7%-32.8pp | 69.0%-41.1pp | 67.9%-40.0pp |
| Annual return | -18.90% | -12.70%-6.2pp | -6.37%-12.5pp | -7.85%-11.0pp |
| Employer contribution / active EE | $696 | $1,829-62.0% | $2,656-73.8% | $2,597-73.2% |
| Participant deferral / active EE | $1,309 | $2,867-54.4% | $3,942-66.8% | $4,028-67.5% |
| Admin fee / account holder | $6,463 | $4,362+48.2% | $4,936+30.9% | $5,404+19.6% |