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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 | $28,083 | $64,729-56.6% | $112,263-75.0% | $68,490-59.0% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.1%-25.1pp | 67.9%-17.9pp |
| Annual return | -18.03% | -11.40%-6.6pp | 27.49%-45.5pp | -7.85%-10.2pp |
| Employer contribution / active EE | $2,397 | $2,746-12.7% | $3,636-34.1% | $2,597-7.7% |
| Participant deferral / active EE | $5,983 | $3,566+67.8% | $4,729+26.5% | $4,028+48.5% |
| Admin fee / account holder | $3,136 | $5,222-39.9% | $6,410-51.1% | $5,403-41.9% |