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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 | $23,081 | $44,103-47.7% | $75,826-69.6% | $64,173-64.0% |
| Participation rate | 46.2% | 62.7%-16.6pp | 68.2%-22.1pp | 69.6%-23.4pp |
| Annual return | -7.72% | -4.72%-3.0pp | 1914.15%-1921.9pp | 7.63%-15.4pp |
| Employer contribution / active EE | $1,554 | $1,446+7.5% | $1,913-18.8% | $2,381-34.7% |
| Participant deferral / active EE | $2,027 | $2,204-8.0% | $2,862-29.2% | $3,470-41.6% |
| Admin fee / account holder | $890 | $3,506-74.6% | $4,726-81.2% | $4,887-81.8% |