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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 | $17,670 | $64,719-72.7% | $112,249-84.3% | $68,486-74.2% |
| Participation rate | 47.1% | 67.2%-20.1pp | 75.1%-28.0pp | 67.9%-20.8pp |
| Annual return | -14.61% | -11.40%-3.2pp | 27.48%-42.1pp | -7.85%-6.8pp |
| Employer contribution / active EE | $866 | $2,747-68.5% | $3,636-76.2% | $2,597-66.7% |
| Participant deferral / active EE | $1,658 | $3,565-53.5% | $4,729-64.9% | $4,028-58.8% |
| Admin fee / account holder | $3,104 | $5,232-40.7% | $6,412-51.6% | $5,404-42.6% |