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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 | $39,689 | $64,716-38.7% | $112,258-64.6% | $68,495-42.1% |
| Participation rate | 44.4% | 67.2%-22.7pp | 75.1%-30.6pp | 67.9%-23.4pp |
| Annual return | -17.45% | -11.40%-6.0pp | 27.47%-44.9pp | -7.84%-9.6pp |
| Employer contribution / active EE | $1,741 | $2,746-36.6% | $3,636-52.1% | $2,596-33.0% |
| Participant deferral / active EE | $2,999 | $3,565-15.9% | $4,728-36.6% | $4,028-25.5% |
| Admin fee / account holder | $11,423 | $5,232+118.3% | $6,411+78.2% | $5,403+111.4% |