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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 | $27,279 | $73,009-62.6% | $90,760-69.9% | $68,486-60.2% |
| Participation rate | 45.1% | 70.8%-25.8pp | 75.7%-30.6pp | 67.9%-22.8pp |
| Annual return | -17.96% | -13.81%-4.2pp | -12.16%-5.8pp | -7.85%-10.1pp |
| Employer contribution / active EE | $779 | $2,193-64.5% | $2,922-73.3% | $2,597-70.0% |
| Participant deferral / active EE | $1,868 | $3,626-48.5% | $4,565-59.1% | $4,028-53.6% |
| Admin fee / account holder | $1,034 | $5,896-82.5% | $8,444-87.8% | $5,404-80.9% |