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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 | $20,961 | $42,383-50.5% | $76,518-72.6% | $64,173-67.3% |
| Participation rate | 35.4% | 58.1%-22.7pp | 68.0%-32.6pp | 69.6%-34.2pp |
| Annual return | -6.52% | -16.54%+10.0pp | -0.27%-6.3pp | 7.63%-14.2pp |
| Employer contribution / active EE | $981 | $1,563-37.2% | $2,647-62.9% | $2,381-58.8% |
| Participant deferral / active EE | $1,854 | $2,566-27.7% | $3,836-51.7% | $3,470-46.6% |
| Admin fee / account holder | $735 | $3,198-77.0% | $4,849-84.8% | $4,887-85.0% |