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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 | $40,376 | $64,138-37.0% | $112,258-64.0% | $66,930-39.7% |
| Participation rate | 40.0% | 68.5%-28.5pp | 75.1%-35.1pp | 69.8%-29.8pp |
| Annual return | -14.51% | -13.81%-0.7pp | 27.47%-42.0pp | 1.57%-16.1pp |
| Employer contribution / active EE | $1,206 | $3,006-59.9% | $3,636-66.8% | $2,545-52.6% |
| Participant deferral / active EE | $2,912 | $3,694-21.2% | $4,728-38.4% | $4,238-31.3% |
| Admin fee / account holder | $4,951 | $625+691.7% | $6,411-22.8% | $593+734.3% |