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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 | $28,484 | $48,235-40.9% | $68,803-58.6% | $68,490-58.4% |
| Participation rate | 57.4% | 60.7%-3.2pp | 69.0%-11.6pp | 67.9%-10.4pp |
| Annual return | -18.11% | -12.70%-5.4pp | -6.37%-11.7pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,082 | $1,829-40.8% | $2,656-59.3% | $2,597-58.3% |
| Participant deferral / active EE | $3,549 | $2,867+23.8% | $3,942-10.0% | $4,028-11.9% |
| Admin fee / account holder | $1,185 | $4,361-72.8% | $4,936-76.0% | $5,403-78.1% |