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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 | $27,499 | $53,546-48.6% | $69,884-60.6% | $68,486-59.8% |
| Participation rate | 28.1% | 64.5%-36.4pp | 70.5%-42.4pp | 67.9%-39.8pp |
| Annual return | -14.90% | -13.87%-1.0pp | 190.81%-205.7pp | -7.85%-7.0pp |
| Employer contribution / active EE | $496 | $2,019-75.4% | $2,560-80.6% | $2,597-80.9% |
| Participant deferral / active EE | $1,360 | $2,957-54.0% | $3,848-64.7% | $4,028-66.2% |
| Admin fee / account holder | $1,186 | $4,693-74.7% | $6,266-81.1% | $5,404-78.1% |