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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 | $45,732 | $73,009-37.4% | $90,760-49.6% | $68,486-33.2% |
| Participation rate | 38.1% | 70.8%-32.7pp | 75.7%-37.5pp | 67.9%-29.7pp |
| Annual return | -17.05% | -13.81%-3.2pp | -12.16%-4.9pp | -7.85%-9.2pp |
| Employer contribution / active EE | $767 | $2,193-65.0% | $2,922-73.7% | $2,597-70.5% |
| Participant deferral / active EE | $1,659 | $3,626-54.3% | $4,565-63.7% | $4,028-58.8% |
| Admin fee / account holder | $21,674 | $5,896+267.6% | $8,444+156.7% | $5,404+301.1% |