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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 | $31,225 | $64,729-51.8% | $112,263-72.2% | $68,490-54.4% |
| Participation rate | 33.3% | 67.2%-33.8pp | 75.1%-41.7pp | 67.9%-34.6pp |
| Annual return | -15.18% | -11.40%-3.8pp | 27.49%-42.7pp | -7.85%-7.3pp |
| Employer contribution / active EE | $1,012 | $2,746-63.1% | $3,636-72.2% | $2,597-61.0% |
| Participant deferral / active EE | $1,907 | $3,566-46.5% | $4,729-59.7% | $4,028-52.6% |
| Admin fee / account holder | $645 | $5,222-87.7% | $6,410-89.9% | $5,403-88.1% |