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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 | $23,869 | $45,872-48.0% | $77,100-69.0% | $68,490-65.1% |
| Participation rate | 47.9% | 55.9%-8.0pp | 67.9%-20.0pp | 67.9%-20.0pp |
| Annual return | -17.70% | 1.73%-19.4pp | 42.35%-60.1pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,232 | $1,650-25.3% | $2,815-56.2% | $2,597-52.6% |
| Participant deferral / active EE | $2,403 | $2,963-18.9% | $4,430-45.8% | $4,028-40.3% |
| Admin fee / account holder | $5,640 | $3,041+85.4% | $5,443+3.6% | $5,403+4.4% |