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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 | $40,118 | $73,863-45.7% | $143,797-72.1% | $68,490-41.4% |
| Participation rate | 26.7% | 66.7%-40.0pp | 80.3%-53.7pp | 67.9%-41.2pp |
| Annual return | -12.60% | 0.91%-13.5pp | -0.04%-12.6pp | -7.85%-4.7pp |
| Employer contribution / active EE | $866 | $3,185-72.8% | $4,952-82.5% | $2,597-66.6% |
| Participant deferral / active EE | $1,476 | $3,385-56.4% | $5,638-73.8% | $4,028-63.3% |
| Admin fee / account holder | $490 | $5,756-91.5% | $14,679-96.7% | $5,403-90.9% |