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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 | $24,913 | $45,872-45.7% | $77,096-67.7% | $68,486-63.6% |
| Participation rate | 48.8% | 55.9%-7.1pp | 67.9%-19.1pp | 67.9%-19.1pp |
| Annual return | -17.54% | 1.73%-19.3pp | 42.35%-59.9pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,084 | $1,650-34.3% | $2,814-61.5% | $2,597-58.3% |
| Participant deferral / active EE | $1,562 | $2,963-47.3% | $4,429-64.7% | $4,028-61.2% |
| Admin fee / account holder | $3,188 | $3,041+4.8% | $5,428-41.3% | $5,404-41.0% |