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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 | $22,441 | $63,471-64.6% | $68,803-67.4% | $66,949-66.5% |
| Participation rate | 46.0% | 60.0%-14.0pp | 69.0%-23.0pp | 69.8%-23.8pp |
| Annual return | -16.67% | -8.29%-8.4pp | -6.37%-10.3pp | 1.57%-18.2pp |
| Employer contribution / active EE | $2,086 | $1,776+17.5% | $2,656-21.4% | $2,545-18.0% |
| Participant deferral / active EE | $4,272 | $2,946+45.0% | $3,942+8.4% | $4,239+0.8% |
| Admin fee / account holder | $1,313 | $578+127.2% | $4,936-73.4% | $594+121.2% |