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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 | $15,535 | $45,872-66.1% | $77,096-79.8% | $68,486-77.3% |
| Participation rate | 32.9% | 55.9%-23.0pp | 67.9%-35.0pp | 67.9%-35.0pp |
| Annual return | -18.30% | 1.73%-20.0pp | 42.35%-60.6pp | -7.85%-10.4pp |
| Employer contribution / active EE | $933 | $1,650-43.4% | $2,814-66.8% | $2,597-64.1% |
| Participant deferral / active EE | $1,072 | $2,963-63.8% | $4,429-75.8% | $4,028-73.4% |
| Admin fee / account holder | $1,678 | $3,041-44.8% | $5,428-69.1% | $5,404-69.0% |