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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 | $24,389 | $53,162-54.1% | $91,225-73.3% | $68,495-64.4% |
| Participation rate | 61.4% | 63.2%-1.8pp | 73.2%-11.8pp | 67.9%-6.5pp |
| Annual return | -15.33% | -3.14%-12.2pp | 114.10%-129.4pp | -7.84%-7.5pp |
| Employer contribution / active EE | $1,409 | $1,709-17.6% | $2,851-50.6% | $2,596-45.7% |
| Participant deferral / active EE | $1,872 | $2,974-37.0% | $4,234-55.8% | $4,028-53.5% |
| Admin fee / account holder | $4,826 | $4,493+7.4% | $5,422-11.0% | $5,403-10.7% |