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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 | $18,406 | $42,910-57.1% | $60,919-69.8% | $68,490-73.1% |
| Participation rate | 55.2% | 66.8%-11.6pp | 73.1%-17.9pp | 67.9%-12.7pp |
| Annual return | -15.45% | -13.99%-1.5pp | 16.96%-32.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,211 | $1,978-38.8% | $2,704-55.2% | $2,597-53.3% |
| Participant deferral / active EE | $2,723 | $2,866-5.0% | $3,814-28.6% | $4,028-32.4% |
| Admin fee / account holder | $2,182 | $3,104-29.7% | $3,228-32.4% | $5,403-59.6% |