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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 | $20,696 | $85,790-75.9% | $67,313-69.3% | $135,380-84.7% |
| Participation rate | 54.5% | 76.5%-21.9pp | 69.1%-14.5pp | 82.6%-28.1pp |
| Annual return | -8.03% | -0.54%-7.5pp | -4.08%-3.9pp | 519.81%-527.8pp |
| Employer contribution / active EE | $1,185 | $3,487-66.0% | $2,566-53.8% | $4,779-75.2% |
| Participant deferral / active EE | $1,947 | $4,651-58.1% | $3,568-45.4% | $5,609-65.3% |
| Admin fee / account holder | $4,786 | $6,392-25.1% | $4,507+6.2% | $10,828-55.8% |