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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 | $16,840 | $86,701-80.6% | $73,309-77.0% | $125,388-86.6% |
| Participation rate | 60.0% | 78.6%-18.6pp | 74.9%-14.9pp | 83.2%-23.2pp |
| Annual return | -2.37% | 2.78%-5.2pp | 5.67%-8.0pp | 282.24%-284.6pp |
| Employer contribution / active EE | $1,953 | $4,152-53.0% | $3,237-39.7% | $4,866-59.9% |
| Participant deferral / active EE | $2,340 | $5,549-57.8% | $4,991-53.1% | $5,352-56.3% |
| Admin fee / account holder | $4,690 | $7,768-39.6% | $5,635-16.8% | $9,541-50.8% |