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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 | $22,250 | $53,162-58.1% | $91,225-75.6% | $68,495-67.5% |
| Participation rate | 46.2% | 63.2%-17.1pp | 73.2%-27.0pp | 67.9%-21.7pp |
| Annual return | -11.43% | -3.14%-8.3pp | 114.10%-125.5pp | -7.84%-3.6pp |
| Employer contribution / active EE | $1,348 | $1,709-21.1% | $2,851-52.7% | $2,596-48.1% |
| Participant deferral / active EE | $1,724 | $2,974-42.0% | $4,234-59.3% | $4,028-57.2% |
| Admin fee / account holder | $4,371 | $4,493-2.7% | $5,422-19.4% | $5,403-19.1% |