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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 | $20,172 | $42,910-53.0% | $60,919-66.9% | $68,490-70.5% |
| Participation rate | 49.4% | 66.8%-17.4pp | 73.1%-23.7pp | 67.9%-18.5pp |
| Annual return | -15.63% | -13.99%-1.6pp | 16.96%-32.6pp | -7.85%-7.8pp |
| Employer contribution / active EE | $406 | $1,978-79.5% | $2,704-85.0% | $2,597-84.4% |
| Participant deferral / active EE | $1,057 | $2,866-63.1% | $3,814-72.3% | $4,028-73.8% |
| Admin fee / account holder | $2,592 | $3,104-16.5% | $3,228-19.7% | $5,403-52.0% |