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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 | $33,435 | $73,839-54.7% | $143,788-76.7% | $68,495-51.2% |
| Participation rate | 56.3% | 66.7%-10.4pp | 80.3%-24.1pp | 67.9%-11.6pp |
| Annual return | -12.27% | 1.01%-13.3pp | -0.03%-12.2pp | -7.84%-4.4pp |
| Employer contribution / active EE | $1,447 | $3,184-54.6% | $4,952-70.8% | $2,596-44.3% |
| Participant deferral / active EE | $3,331 | $3,384-1.6% | $5,638-40.9% | $4,028-17.3% |
| Admin fee / account holder | $8,512 | $5,755+47.9% | $14,675-42.0% | $5,403+57.5% |