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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 | $32,693 | $64,729-49.5% | $112,263-70.9% | $68,490-52.3% |
| Participation rate | 18.5% | 67.2%-48.6pp | 75.1%-56.5pp | 67.9%-49.4pp |
| Annual return | -16.65% | -11.40%-5.3pp | 27.49%-44.1pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,000 | $2,746-63.6% | $3,636-72.5% | $2,597-61.5% |
| Participant deferral / active EE | $1,778 | $3,566-50.1% | $4,729-62.4% | $4,028-55.8% |
| Admin fee / account holder | $1,522 | $5,222-70.9% | $6,410-76.3% | $5,403-71.8% |