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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 | $27,197 | $52,678-48.4% | $75,782-64.1% | $59,632-54.4% |
| Participation rate | 38.7% | 67.2%-28.5pp | 75.8%-37.1pp | 68.7%-30.0pp |
| Annual return | -2.22% | 2.95%-5.2pp | 9.68%-11.9pp | 2041.32%-2043.5pp |
| Employer contribution / active EE | $942 | $2,193-57.0% | $3,323-71.6% | $2,203-57.2% |
| Participant deferral / active EE | $2,461 | $2,591-5.0% | $3,652-32.6% | $3,192-22.9% |
| Admin fee / account holder | $1,334 | $3,610-63.1% | $5,300-74.8% | $4,297-69.0% |