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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 | $15,722 | $25,979-39.5% | $71,778-78.1% | $68,490-77.0% |
| Participation rate | 25.9% | 54.5%-28.6pp | 62.3%-36.4pp | 67.9%-42.0pp |
| Annual return | -17.14% | -15.10%-2.0pp | 9.15%-26.3pp | -7.85%-9.3pp |
| Employer contribution / active EE | $510 | $900-43.4% | $1,704-70.1% | $2,597-80.4% |
| Participant deferral / active EE | $694 | $1,522-54.4% | $2,656-73.9% | $4,028-82.8% |
| Admin fee / account holder | $349 | $2,022-82.7% | $3,974-91.2% | $5,403-93.5% |