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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 | $46,192 | $81,870-43.6% | $119,634-61.4% | $68,490-32.6% |
| Participation rate | 30.2% | 71.9%-41.7pp | 79.3%-49.1pp | 67.9%-37.7pp |
| Annual return | -17.24% | -23.82%+6.6pp | -14.98%-2.3pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,328 | $2,692-50.7% | $4,232-68.6% | $2,597-48.9% |
| Participant deferral / active EE | $2,604 | $4,148-37.2% | $5,601-53.5% | $4,028-35.4% |
| Admin fee / account holder | $2,136 | $6,583-67.6% | $10,329-79.3% | $5,403-60.5% |