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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 | $26,488 | $62,583-57.7% | $76,767-65.5% | $64,173-58.7% |
| Participation rate | 58.2% | 72.8%-14.6pp | 77.0%-18.8pp | 69.6%-11.4pp |
| Annual return | -6.88% | -1.95%-4.9pp | 2.43%-9.3pp | 7.63%-14.5pp |
| Employer contribution / active EE | $660 | $1,832-64.0% | $2,485-73.4% | $2,381-72.3% |
| Participant deferral / active EE | $2,101 | $3,145-33.2% | $3,852-45.5% | $3,470-39.5% |
| Admin fee / account holder | $1,863 | $4,667-60.1% | $6,675-72.1% | $4,887-61.9% |