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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 | $15,679 | $49,177-68.1% | $79,466-80.3% | $64,173-75.6% |
| Participation rate | 40.6% | 65.0%-24.4pp | 73.3%-32.7pp | 69.6%-28.9pp |
| Annual return | -1.48% | -1.16%-0.3pp | 718.28%-719.8pp | 7.63%-9.1pp |
| Employer contribution / active EE | $1,675 | $2,076-19.3% | $2,800-40.2% | $2,381-29.7% |
| Participant deferral / active EE | $2,182 | $2,821-22.7% | $3,704-41.1% | $3,470-37.1% |
| Admin fee / account holder | $2,252 | $3,839-41.3% | $5,104-55.9% | $4,887-53.9% |