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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 | $32,735 | $48,267-32.2% | $68,794-52.4% | $68,495-52.2% |
| Participation rate | 44.4% | 60.7%-16.2pp | 69.0%-24.6pp | 67.9%-23.4pp |
| Annual return | -19.31% | -12.70%-6.6pp | -6.37%-12.9pp | -7.84%-11.5pp |
| Employer contribution / active EE | $826 | $1,829-54.8% | $2,656-68.9% | $2,596-68.2% |
| Participant deferral / active EE | $2,153 | $2,867-24.9% | $3,941-45.4% | $4,028-46.5% |
| Admin fee / account holder | $1,009 | $4,362-76.9% | $4,934-79.6% | $5,403-81.3% |