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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 | $24,788 | $62,583-60.4% | $76,767-67.7% | $64,173-61.4% |
| Participation rate | 54.9% | 72.8%-17.9pp | 77.0%-22.1pp | 69.6%-14.7pp |
| Annual return | -7.12% | -1.95%-5.2pp | 2.43%-9.5pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,125 | $1,832-38.6% | $2,485-54.7% | $2,381-52.7% |
| Participant deferral / active EE | $3,509 | $3,145+11.6% | $3,852-8.9% | $3,470+1.1% |
| Admin fee / account holder | $2,046 | $4,667-56.2% | $6,675-69.3% | $4,887-58.1% |