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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 | $16,567 | $53,162-68.8% | $91,227-81.8% | $68,490-75.8% |
| Participation rate | 53.8% | 63.2%-9.4pp | 73.2%-19.3pp | 67.9%-14.1pp |
| Annual return | -19.30% | -3.14%-16.2pp | 114.14%-133.4pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,096 | $1,709-35.9% | $2,851-61.6% | $2,597-57.8% |
| Participant deferral / active EE | $2,824 | $2,974-5.0% | $4,234-33.3% | $4,028-29.9% |
| Admin fee / account holder | $687 | $4,493-84.7% | $5,423-87.3% | $5,403-87.3% |