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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 | $40,987 | $64,719-36.7% | $112,249-63.5% | $68,486-40.2% |
| Participation rate | 57.9% | 67.2%-9.3pp | 75.1%-17.2pp | 67.9%-10.0pp |
| Annual return | -14.93% | -11.40%-3.5pp | 27.48%-42.4pp | -7.85%-7.1pp |
| Employer contribution / active EE | $1,898 | $2,747-30.9% | $3,636-47.8% | $2,597-26.9% |
| Participant deferral / active EE | $4,016 | $3,565+12.7% | $4,729-15.1% | $4,028-0.3% |
| Admin fee / account holder | $1,459 | $5,232-72.1% | $6,412-77.2% | $5,404-73.0% |