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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 | $29,219 | $45,872-36.3% | $77,100-62.1% | $68,490-57.3% |
| Participation rate | 46.9% | 55.9%-9.0pp | 67.9%-21.0pp | 67.9%-21.0pp |
| Annual return | -17.50% | 1.73%-19.2pp | 42.35%-59.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $701 | $1,650-57.5% | $2,815-75.1% | $2,597-73.0% |
| Participant deferral / active EE | $1,018 | $2,963-65.7% | $4,430-77.0% | $4,028-74.7% |
| Admin fee / account holder | $2,125 | $3,041-30.1% | $5,443-61.0% | $5,403-60.7% |