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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 | $22,205 | $46,697-52.4% | $117,529-81.1% | $68,490-67.6% |
| Participation rate | 40.0% | 56.8%-16.8pp | 70.6%-30.6pp | 67.9%-27.9pp |
| Annual return | -19.16% | -14.52%-4.6pp | 29.77%-48.9pp | -7.85%-11.3pp |
| Employer contribution / active EE | $813 | $1,506-46.0% | $4,179-80.5% | $2,597-68.7% |
| Participant deferral / active EE | $1,483 | $2,637-43.8% | $4,072-63.6% | $4,028-63.2% |
| Admin fee / account holder | $1,596 | $4,023-60.3% | $5,645-71.7% | $5,403-70.5% |