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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 | $20,328 | $56,339-63.9% | $104,301-80.5% | $68,486-70.3% |
| Participation rate | 35.3% | 63.3%-28.0pp | 73.3%-38.0pp | 67.9%-32.6pp |
| Annual return | -12.58% | -9.19%-3.4pp | 24.61%-37.2pp | -7.85%-4.7pp |
| Employer contribution / active EE | $883 | $1,960-54.9% | $3,373-73.8% | $2,597-66.0% |
| Participant deferral / active EE | $2,364 | $3,077-23.2% | $4,626-48.9% | $4,028-41.3% |
| Admin fee / account holder | $5,250 | $4,902+7.1% | $7,340-28.5% | $5,404-2.8% |