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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 | $20,215 | $48,267-58.1% | $68,808-70.6% | $68,486-70.5% |
| Participation rate | 57.1% | 60.7%-3.5pp | 69.0%-11.9pp | 67.9%-10.8pp |
| Annual return | -19.17% | -12.70%-6.5pp | -6.37%-12.8pp | -7.85%-11.3pp |
| Employer contribution / active EE | $430 | $1,829-76.5% | $2,656-83.8% | $2,597-83.4% |
| Participant deferral / active EE | $2,789 | $2,867-2.7% | $3,942-29.3% | $4,028-30.8% |
| Admin fee / account holder | $4,721 | $4,362+8.2% | $4,936-4.3% | $5,404-12.6% |