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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 | $31,823 | $64,719-50.8% | $112,249-71.6% | $68,486-53.5% |
| Participation rate | 45.5% | 67.2%-21.7pp | 75.1%-29.6pp | 67.9%-22.4pp |
| Annual return | -10.58% | -11.40%+0.8pp | 27.48%-38.1pp | -7.85%-2.7pp |
| Employer contribution / active EE | $2,350 | $2,747-14.4% | $3,636-35.4% | $2,597-9.5% |
| Participant deferral / active EE | $2,409 | $3,565-32.4% | $4,729-49.1% | $4,028-40.2% |
| Admin fee / account holder | $729 | $5,232-86.1% | $6,412-88.6% | $5,404-86.5% |