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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 | $20,096 | $72,388-72.2% | $111,392-82.0% | $64,181-68.7% |
| Participation rate | 53.8% | 70.5%-16.7pp | 78.9%-25.0pp | 69.6%-15.7pp |
| Annual return | -4.73% | -1.50%-3.2pp | -2.06%-2.7pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,833 | $3,000-38.9% | $4,328-57.6% | $2,381-23.0% |
| Participant deferral / active EE | $4,007 | $4,241-5.5% | $5,567-28.0% | $3,470+15.5% |
| Admin fee / account holder | $5,729 | $5,719+0.2% | $12,266-53.3% | $4,887+17.2% |