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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 | $36,076 | $45,872-21.4% | $77,096-53.2% | $68,486-47.3% |
| Participation rate | 17.1% | 55.9%-38.8pp | 67.9%-50.8pp | 67.9%-50.8pp |
| Annual return | -19.25% | 1.73%-21.0pp | 42.35%-61.6pp | -7.85%-11.4pp |
| Employer contribution / active EE | $600 | $1,650-63.6% | $2,814-78.7% | $2,597-76.9% |
| Participant deferral / active EE | $1,060 | $2,963-64.2% | $4,429-76.1% | $4,028-73.7% |
| Admin fee / account holder | $493 | $3,041-83.8% | $5,428-90.9% | $5,404-90.9% |