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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 | $27,821 | $73,009-61.9% | $90,760-69.3% | $68,486-59.4% |
| Participation rate | 50.0% | 70.8%-20.8pp | 75.7%-25.7pp | 67.9%-17.9pp |
| Annual return | -17.44% | -13.81%-3.6pp | -12.16%-5.3pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,084 | $2,193-50.6% | $2,922-62.9% | $2,597-58.2% |
| Participant deferral / active EE | $1,788 | $3,626-50.7% | $4,565-60.8% | $4,028-55.6% |
| Admin fee / account holder | $7,343 | $5,896+24.6% | $8,444-13.0% | $5,404+35.9% |