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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 | $23,204 | $57,350-59.5% | $83,850-72.3% | $64,181-63.8% |
| Participation rate | 40.5% | 68.6%-28.1pp | 76.1%-35.7pp | 69.6%-29.1pp |
| Annual return | -7.42% | 11.38%-18.8pp | 850.92%-858.3pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,276 | $2,545-49.9% | $3,631-64.8% | $2,381-46.4% |
| Participant deferral / active EE | $2,467 | $2,993-17.6% | $4,082-39.6% | $3,470-28.9% |
| Admin fee / account holder | $2,792 | $4,046-31.0% | $5,478-49.0% | $4,887-42.9% |