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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 | $23,440 | $73,863-68.3% | $143,797-83.7% | $68,490-65.8% |
| Participation rate | 58.1% | 66.7%-8.6pp | 80.3%-22.3pp | 67.9%-9.8pp |
| Annual return | -18.18% | 0.91%-19.1pp | -0.04%-18.1pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,271 | $3,185-60.1% | $4,952-74.3% | $2,597-51.0% |
| Participant deferral / active EE | $2,168 | $3,385-35.9% | $5,638-61.5% | $4,028-46.2% |
| Admin fee / account holder | $2,515 | $5,756-56.3% | $14,679-82.9% | $5,403-53.4% |