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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 | $26,232 | $25,979+1.0% | $71,778-63.5% | $68,490-61.7% |
| Participation rate | 47.8% | 54.5%-6.7pp | 62.3%-14.5pp | 67.9%-20.1pp |
| Annual return | -13.85% | -15.10%+1.2pp | 9.15%-23.0pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,293 | $900+43.6% | $1,704-24.1% | $2,597-50.2% |
| Participant deferral / active EE | $2,353 | $1,522+54.6% | $2,656-11.4% | $4,028-41.6% |
| Admin fee / account holder | $13,057 | $2,022+545.8% | $3,974+228.6% | $5,403+141.7% |