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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 | $26,687 | $76,912-65.3% | $129,118-79.3% | $68,486-61.0% |
| Participation rate | 56.4% | 69.1%-12.7pp | 77.2%-20.8pp | 67.9%-11.5pp |
| Annual return | -18.65% | -9.78%-8.9pp | -10.94%-7.7pp | -7.85%-10.8pp |
| Employer contribution / active EE | $959 | $3,243-70.4% | $5,051-81.0% | $2,597-63.1% |
| Participant deferral / active EE | $3,069 | $4,732-35.1% | $6,539-53.1% | $4,028-23.8% |
| Admin fee / account holder | $1,687 | $6,638-74.6% | $14,305-88.2% | $5,404-68.8% |