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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 | $26,990 | $25,979+3.9% | $71,778-62.4% | $68,490-60.6% |
| Participation rate | 30.4% | 54.5%-24.1pp | 62.3%-31.9pp | 67.9%-37.5pp |
| Annual return | -11.94% | -15.10%+3.2pp | 9.15%-21.1pp | -7.85%-4.1pp |
| Employer contribution / active EE | $126 | $900-86.0% | $1,704-92.6% | $2,597-95.2% |
| Participant deferral / active EE | $1,092 | $1,522-28.3% | $2,656-58.9% | $4,028-72.9% |
| Admin fee / account holder | $6,851 | $2,022+238.9% | $3,974+72.4% | $5,403+26.8% |