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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 | $44,350 | $59,834-25.9% | $79,576-44.3% | $68,495-35.3% |
| Participation rate | 36.4% | 61.1%-24.7pp | 69.5%-33.1pp | 67.9%-31.5pp |
| Annual return | -17.23% | -12.30%-4.9pp | 0.15%-17.4pp | -7.84%-9.4pp |
| Employer contribution / active EE | $1,133 | $1,505-24.7% | $2,413-53.1% | $2,596-56.4% |
| Participant deferral / active EE | $1,766 | $3,024-41.6% | $3,985-55.7% | $4,028-56.2% |
| Admin fee / account holder | $4,608 | $4,835-4.7% | $6,834-32.6% | $5,403-14.7% |