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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 | $20,243 | $64,719-68.7% | $112,249-82.0% | $68,486-70.4% |
| Participation rate | 45.5% | 67.2%-21.7pp | 75.1%-29.6pp | 67.9%-22.4pp |
| Annual return | -16.24% | -11.40%-4.8pp | 27.48%-43.7pp | -7.85%-8.4pp |
| Employer contribution / active EE | $959 | $2,747-65.1% | $3,636-73.6% | $2,597-63.1% |
| Participant deferral / active EE | $1,624 | $3,565-54.5% | $4,729-65.7% | $4,028-59.7% |
| Admin fee / account holder | $3,782 | $5,232-27.7% | $6,412-41.0% | $5,404-30.0% |