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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 | $23,167 | $54,239-57.3% | $70,098-66.9% | $68,495-66.2% |
| Participation rate | 45.3% | 64.5%-19.2pp | 70.5%-25.1pp | 67.9%-22.5pp |
| Annual return | -18.44% | -13.87%-4.6pp | 190.76%-209.2pp | -7.84%-10.6pp |
| Employer contribution / active EE | $1,370 | $2,019-32.2% | $2,560-46.5% | $2,596-47.3% |
| Participant deferral / active EE | $2,748 | $2,957-7.1% | $3,849-28.6% | $4,028-31.8% |
| Admin fee / account holder | $3,619 | $4,691-22.8% | $6,266-42.2% | $5,403-33.0% |