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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 | $21,440 | $56,339-61.9% | $104,301-79.4% | $68,495-68.7% |
| Participation rate | 45.9% | 63.3%-17.3pp | 73.3%-27.3pp | 67.9%-21.9pp |
| Annual return | -15.79% | -9.19%-6.6pp | 24.61%-40.4pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,068 | $1,960-45.5% | $3,373-68.3% | $2,596-58.9% |
| Participant deferral / active EE | $2,327 | $3,077-24.4% | $4,626-49.7% | $4,028-42.2% |
| Admin fee / account holder | $9,568 | $4,902+95.2% | $7,340+30.3% | $5,403+77.1% |