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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 | $46,445 | $48,267-3.8% | $68,808-32.5% | $68,486-32.2% |
| Participation rate | 39.4% | 60.7%-21.3pp | 69.0%-29.6pp | 67.9%-28.5pp |
| Annual return | -19.16% | -12.70%-6.5pp | -6.37%-12.8pp | -7.85%-11.3pp |
| Employer contribution / active EE | $458 | $1,829-74.9% | $2,656-82.7% | $2,597-82.4% |
| Participant deferral / active EE | $3,189 | $2,867+11.2% | $3,942-19.1% | $4,028-20.8% |
| Admin fee / account holder | $3,986 | $4,362-8.6% | $4,936-19.2% | $5,404-26.2% |