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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 | $37,093 | $45,872-19.1% | $77,096-51.9% | $68,486-45.8% |
| Participation rate | 22.7% | 55.9%-33.2pp | 67.9%-45.2pp | 67.9%-45.2pp |
| Annual return | -18.56% | 1.73%-20.3pp | 42.35%-60.9pp | -7.85%-10.7pp |
| Employer contribution / active EE | $663 | $1,650-59.8% | $2,814-76.5% | $2,597-74.5% |
| Participant deferral / active EE | $1,080 | $2,963-63.6% | $4,429-75.6% | $4,028-73.2% |
| Admin fee / account holder | $927 | $3,041-69.5% | $5,428-82.9% | $5,404-82.8% |