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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 | $30,470 | $42,910-29.0% | $60,919-50.0% | $68,490-55.5% |
| Participation rate | 41.7% | 66.8%-25.1pp | 73.1%-31.4pp | 67.9%-26.2pp |
| Annual return | -12.30% | -13.99%+1.7pp | 16.96%-29.3pp | -7.85%-4.5pp |
| Employer contribution / active EE | $910 | $1,978-54.0% | $2,704-66.3% | $2,597-65.0% |
| Participant deferral / active EE | $2,032 | $2,866-29.1% | $3,814-46.7% | $4,028-49.6% |
| Admin fee / account holder | $596 | $3,104-80.8% | $3,228-81.5% | $5,403-89.0% |