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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 | $14,320 | $45,872-68.8% | $77,096-81.4% | $68,486-79.1% |
| Participation rate | 42.9% | 55.9%-13.1pp | 67.9%-25.1pp | 67.9%-25.0pp |
| Annual return | -18.32% | 1.73%-20.0pp | 42.35%-60.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $427 | $1,650-74.1% | $2,814-84.8% | $2,597-83.6% |
| Participant deferral / active EE | $1,717 | $2,963-42.0% | $4,429-61.2% | $4,028-57.4% |
| Admin fee / account holder | $1,806 | $3,041-40.6% | $5,428-66.7% | $5,404-66.6% |