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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 | $22,740 | $48,235-52.9% | $68,803-66.9% | $68,490-66.8% |
| Participation rate | 40.7% | 60.7%-19.9pp | 69.0%-28.3pp | 67.9%-27.2pp |
| Annual return | -18.95% | -12.70%-6.2pp | -6.37%-12.6pp | -7.85%-11.1pp |
| Employer contribution / active EE | $603 | $1,829-67.0% | $2,656-77.3% | $2,597-76.8% |
| Participant deferral / active EE | $1,933 | $2,867-32.6% | $3,942-51.0% | $4,028-52.0% |
| Admin fee / account holder | $907 | $4,361-79.2% | $4,936-81.6% | $5,403-83.2% |