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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 | $25,039 | $73,863-66.1% | $143,797-82.6% | $68,490-63.4% |
| Participation rate | 57.9% | 66.7%-8.8pp | 80.3%-22.4pp | 67.9%-10.0pp |
| Annual return | -15.30% | 0.91%-16.2pp | -0.04%-15.3pp | -7.85%-7.4pp |
| Employer contribution / active EE | $1,311 | $3,185-58.8% | $4,952-73.5% | $2,597-49.5% |
| Participant deferral / active EE | $2,055 | $3,385-39.3% | $5,638-63.6% | $4,028-49.0% |
| Admin fee / account holder | $5,248 | $5,756-8.8% | $14,679-64.2% | $5,403-2.9% |