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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 | $22,661 | $46,697-51.5% | $117,529-80.7% | $68,490-66.9% |
| Participation rate | 42.9% | 56.8%-13.9pp | 70.6%-27.7pp | 67.9%-25.0pp |
| Annual return | -15.57% | -14.52%-1.1pp | 29.77%-45.3pp | -7.85%-7.7pp |
| Employer contribution / active EE | $1,026 | $1,506-31.8% | $4,179-75.4% | $2,597-60.5% |
| Participant deferral / active EE | $1,681 | $2,637-36.2% | $4,072-58.7% | $4,028-58.3% |
| Admin fee / account holder | $24,435 | $4,023+507.4% | $5,645+332.8% | $5,403+352.3% |