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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 | $37,907 | $45,872-17.4% | $77,096-50.8% | $68,486-44.6% |
| Participation rate | 48.1% | 55.9%-7.8pp | 67.9%-19.8pp | 67.9%-19.7pp |
| Annual return | -17.42% | 1.73%-19.1pp | 42.35%-59.8pp | -7.85%-9.6pp |
| Employer contribution / active EE | $1,158 | $1,650-29.8% | $2,814-58.9% | $2,597-55.4% |
| Participant deferral / active EE | $1,707 | $2,963-42.4% | $4,429-61.5% | $4,028-57.6% |
| Admin fee / account holder | $1,069 | $3,041-64.9% | $5,428-80.3% | $5,404-80.2% |