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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 | $56,450 | $64,729-12.8% | $112,263-49.7% | $68,490-17.6% |
| Participation rate | 29.7% | 67.2%-37.4pp | 75.1%-45.3pp | 67.9%-38.2pp |
| Annual return | -18.13% | -11.40%-6.7pp | 27.49%-45.6pp | -7.85%-10.3pp |
| Employer contribution / active EE | $1,075 | $2,746-60.8% | $3,636-70.4% | $2,597-58.6% |
| Participant deferral / active EE | $2,137 | $3,566-40.1% | $4,729-54.8% | $4,028-47.0% |
| Admin fee / account holder | $1,306 | $5,222-75.0% | $6,410-79.6% | $5,403-75.8% |