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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 | $19,738 | $73,848-73.3% | $143,799-86.3% | $68,486-71.2% |
| Participation rate | 47.4% | 66.7%-19.2pp | 80.3%-32.9pp | 67.9%-20.5pp |
| Annual return | -16.87% | 0.91%-17.8pp | -0.04%-16.8pp | -7.85%-9.0pp |
| Employer contribution / active EE | $589 | $3,184-81.5% | $4,952-88.1% | $2,597-77.3% |
| Participant deferral / active EE | $1,662 | $3,385-50.9% | $5,638-70.5% | $4,028-58.7% |
| Admin fee / account holder | $3,367 | $5,755-41.5% | $14,677-77.1% | $5,404-37.7% |