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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 | $44,450 | $53,162-16.4% | $91,227-51.3% | $68,490-35.1% |
| Participation rate | 41.2% | 63.2%-22.0pp | 73.2%-32.0pp | 67.9%-26.7pp |
| Annual return | -12.00% | -3.14%-8.9pp | 114.14%-126.1pp | -7.85%-4.1pp |
| Employer contribution / active EE | $671 | $1,709-60.7% | $2,851-76.5% | $2,597-74.2% |
| Participant deferral / active EE | $3,395 | $2,974+14.2% | $4,234-19.8% | $4,028-15.7% |
| Admin fee / account holder | $4,621 | $4,493+2.8% | $5,423-14.8% | $5,403-14.5% |