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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 | $35,904 | $48,267-25.6% | $68,794-47.8% | $68,495-47.6% |
| Participation rate | 27.5% | 60.7%-33.1pp | 69.0%-41.5pp | 67.9%-40.4pp |
| Annual return | -16.73% | -12.70%-4.0pp | -6.37%-10.4pp | -7.84%-8.9pp |
| Employer contribution / active EE | $451 | $1,829-75.3% | $2,656-83.0% | $2,596-82.6% |
| Participant deferral / active EE | $2,588 | $2,867-9.7% | $3,941-34.3% | $4,028-35.7% |
| Admin fee / account holder | $1,009 | $4,362-76.9% | $4,934-79.6% | $5,403-81.3% |