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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 | $22,660 | $43,338-47.7% | $59,887-62.2% | $64,173-64.7% |
| Participation rate | 63.3% | 69.2%-5.8pp | 74.7%-11.4pp | 69.6%-6.2pp |
| Annual return | -6.00% | -1.55%-4.4pp | 3.46%-9.5pp | 7.63%-13.6pp |
| Employer contribution / active EE | $404 | $2,030-80.1% | $2,722-85.2% | $2,381-83.0% |
| Participant deferral / active EE | $1,775 | $2,547-30.3% | $3,402-47.8% | $3,470-48.8% |
| Admin fee / account holder | $1,884 | $3,007-37.4% | $3,591-47.5% | $4,887-61.5% |