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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 | $52,444 | $56,339-6.9% | $104,301-49.7% | $68,486-23.4% |
| Participation rate | 39.7% | 63.3%-23.5pp | 73.3%-33.5pp | 67.9%-28.2pp |
| Annual return | -13.34% | -9.19%-4.1pp | 24.61%-38.0pp | -7.85%-5.5pp |
| Employer contribution / active EE | $1,356 | $1,960-30.8% | $3,373-59.8% | $2,597-47.8% |
| Participant deferral / active EE | $3,040 | $3,077-1.2% | $4,626-34.3% | $4,028-24.5% |
| Admin fee / account holder | $5,657 | $4,902+15.4% | $7,340-22.9% | $5,404+4.7% |