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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 | $11,641 | $45,872-74.6% | $77,100-84.9% | $68,490-83.0% |
| Participation rate | 51.1% | 55.9%-4.8pp | 67.9%-16.8pp | 67.9%-16.8pp |
| Annual return | -15.22% | 1.73%-16.9pp | 42.35%-57.6pp | -7.85%-7.4pp |
| Employer contribution / active EE | $366 | $1,650-77.8% | $2,815-87.0% | $2,597-85.9% |
| Participant deferral / active EE | $1,033 | $2,963-65.1% | $4,430-76.7% | $4,028-74.4% |
| Admin fee / account holder | $667 | $3,041-78.1% | $5,443-87.7% | $5,403-87.7% |