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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 | $22,309 | $62,715-64.4% | $104,301-78.6% | $66,938-66.7% |
| Participation rate | 31.2% | 59.6%-28.4pp | 73.3%-42.1pp | 69.8%-38.6pp |
| Annual return | -17.79% | -14.70%-3.1pp | 24.61%-42.4pp | 1.58%-19.4pp |
| Employer contribution / active EE | $705 | $1,976-64.3% | $3,373-79.1% | $2,545-72.3% |
| Participant deferral / active EE | $1,439 | $2,852-49.5% | $4,626-68.9% | $4,238-66.1% |
| Admin fee / account holder | $1,752 | $657+166.8% | $7,340-76.1% | $594+195.2% |