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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 | $44,017 | $81,870-46.2% | $119,622-63.2% | $68,486-35.7% |
| Participation rate | 60.4% | 71.9%-11.5pp | 79.3%-18.9pp | 67.9%-7.5pp |
| Annual return | -17.02% | -23.82%+6.8pp | -14.98%-2.0pp | -7.85%-9.2pp |
| Employer contribution / active EE | $1,114 | $2,692-58.6% | $4,232-73.7% | $2,597-57.1% |
| Participant deferral / active EE | $3,389 | $4,148-18.3% | $5,601-39.5% | $4,028-15.9% |
| Admin fee / account holder | $2,656 | $6,583-59.7% | $10,328-74.3% | $5,404-50.9% |