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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 | $8,316 | $45,872-81.9% | $77,100-89.2% | $68,490-87.9% |
| Participation rate | 52.8% | 55.9%-3.1pp | 67.9%-15.1pp | 67.9%-15.1pp |
| Annual return | -19.03% | 1.73%-20.8pp | 42.35%-61.4pp | -7.85%-11.2pp |
| Employer contribution / active EE | $889 | $1,650-46.1% | $2,815-68.4% | $2,597-65.8% |
| Participant deferral / active EE | $1,815 | $2,963-38.8% | $4,430-59.0% | $4,028-54.9% |
| Admin fee / account holder | $976 | $3,041-67.9% | $5,443-82.1% | $5,403-81.9% |