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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 | $42,084 | $73,863-43.0% | $143,797-70.7% | $68,490-38.6% |
| Participation rate | 60.0% | 66.7%-6.7pp | 80.3%-20.3pp | 67.9%-7.9pp |
| Annual return | -18.49% | 0.91%-19.4pp | -0.04%-18.5pp | -7.85%-10.6pp |
| Employer contribution / active EE | $2,174 | $3,185-31.8% | $4,952-56.1% | $2,597-16.3% |
| Participant deferral / active EE | $4,017 | $3,385+18.7% | $5,638-28.8% | $4,028-0.3% |
| Admin fee / account holder | $5,275 | $5,756-8.4% | $14,679-64.1% | $5,403-2.4% |