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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 | $27,877 | $53,596-48.0% | $90,657-69.3% | $64,173-56.6% |
| Participation rate | 44.4% | 64.5%-20.1pp | 74.0%-29.6pp | 69.6%-25.1pp |
| Annual return | -7.26% | 4.41%-11.7pp | 1.89%-9.1pp | 7.63%-14.9pp |
| Employer contribution / active EE | $714 | $1,503-52.5% | $2,532-71.8% | $2,381-70.0% |
| Participant deferral / active EE | $1,086 | $2,459-55.8% | $3,424-68.3% | $3,470-68.7% |
| Admin fee / account holder | $1,307 | $3,868-66.2% | $4,994-73.8% | $4,887-73.3% |