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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 | $22,555 | $73,848-69.5% | $143,799-84.3% | $68,486-67.1% |
| Participation rate | 44.9% | 66.7%-21.7pp | 80.3%-35.4pp | 67.9%-23.0pp |
| Annual return | -8.05% | 0.91%-9.0pp | -0.04%-8.0pp | -7.85%-0.2pp |
| Employer contribution / active EE | $1,412 | $3,184-55.7% | $4,952-71.5% | $2,597-45.6% |
| Participant deferral / active EE | $2,866 | $3,385-15.3% | $5,638-49.2% | $4,028-28.8% |
| Admin fee / account holder | $4,106 | $5,755-28.6% | $14,677-72.0% | $5,404-24.0% |