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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 | $26,083 | $45,872-43.1% | $77,096-66.2% | $68,486-61.9% |
| Participation rate | 34.7% | 55.9%-21.3pp | 67.9%-33.3pp | 67.9%-33.2pp |
| Annual return | -14.06% | 1.73%-15.8pp | 42.35%-56.4pp | -7.85%-6.2pp |
| Employer contribution / active EE | $669 | $1,650-59.4% | $2,814-76.2% | $2,597-74.2% |
| Participant deferral / active EE | $1,725 | $2,963-41.8% | $4,429-61.1% | $4,028-57.2% |
| Admin fee / account holder | $946 | $3,041-68.9% | $5,428-82.6% | $5,404-82.5% |