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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 | $23,207 | $73,839-68.6% | $143,788-83.9% | $68,495-66.1% |
| Participation rate | 42.3% | 66.7%-24.4pp | 80.3%-38.0pp | 67.9%-25.6pp |
| Annual return | -17.55% | 1.01%-18.6pp | -0.03%-17.5pp | -7.84%-9.7pp |
| Employer contribution / active EE | $903 | $3,184-71.6% | $4,952-81.8% | $2,596-65.2% |
| Participant deferral / active EE | $2,239 | $3,384-33.8% | $5,638-60.3% | $4,028-44.4% |
| Admin fee / account holder | $1,783 | $5,755-69.0% | $14,675-87.9% | $5,403-67.0% |