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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 | $20,457 | $57,350-64.3% | $83,850-75.6% | $64,181-68.1% |
| Participation rate | 54.3% | 68.6%-14.3pp | 76.1%-21.9pp | 69.6%-15.3pp |
| Annual return | -5.42% | 11.38%-16.8pp | 850.92%-856.3pp | 7.63%-13.1pp |
| Employer contribution / active EE | $963 | $2,545-62.2% | $3,631-73.5% | $2,381-59.5% |
| Participant deferral / active EE | $2,834 | $2,993-5.3% | $4,082-30.6% | $3,470-18.3% |
| Admin fee / account holder | $2,600 | $4,046-35.7% | $5,478-52.5% | $4,887-46.8% |