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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 | $16,648 | $45,872-63.7% | $77,096-78.4% | $68,486-75.7% |
| Participation rate | 41.2% | 55.9%-14.7pp | 67.9%-26.7pp | 67.9%-26.7pp |
| Annual return | -13.22% | 1.73%-14.9pp | 42.35%-55.6pp | -7.85%-5.4pp |
| Employer contribution / active EE | $1,033 | $1,650-37.4% | $2,814-63.3% | $2,597-60.2% |
| Participant deferral / active EE | $1,182 | $2,963-60.1% | $4,429-73.3% | $4,028-70.7% |
| Admin fee / account holder | $499 | $3,041-83.6% | $5,428-90.8% | $5,404-90.8% |