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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 | $21,914 | $59,813-63.4% | $79,580-72.5% | $68,486-68.0% |
| Participation rate | 46.4% | 61.1%-14.6pp | 69.5%-23.1pp | 67.9%-21.5pp |
| Annual return | -16.98% | -12.30%-4.7pp | 0.15%-17.1pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,369 | $1,505-9.1% | $2,413-43.3% | $2,597-47.3% |
| Participant deferral / active EE | $2,844 | $3,024-6.0% | $3,985-28.6% | $4,028-29.4% |
| Admin fee / account holder | $442 | $4,835-90.9% | $6,835-93.5% | $5,404-91.8% |