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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 | $25,428 | $49,280-48.4% | $67,313-62.2% | $64,173-60.4% |
| Participation rate | 35.8% | 60.8%-25.0pp | 69.1%-33.3pp | 69.6%-33.8pp |
| Annual return | -3.03% | -1.39%-1.6pp | -4.08%+1.0pp | 7.63%-10.7pp |
| Employer contribution / active EE | $1,379 | $1,668-17.4% | $2,566-46.3% | $2,381-42.1% |
| Participant deferral / active EE | $1,304 | $2,484-47.5% | $3,568-63.5% | $3,470-62.4% |
| Admin fee / account holder | $2,157 | $3,863-44.1% | $4,507-52.1% | $4,887-55.9% |