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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 | $34,359 | $64,719-46.9% | $112,249-69.4% | $68,486-49.8% |
| Participation rate | 39.5% | 67.2%-27.7pp | 75.1%-35.6pp | 67.9%-28.4pp |
| Annual return | -16.47% | -11.40%-5.1pp | 27.48%-44.0pp | -7.85%-8.6pp |
| Employer contribution / active EE | $1,005 | $2,747-63.4% | $3,636-72.4% | $2,597-61.3% |
| Participant deferral / active EE | $1,848 | $3,565-48.2% | $4,729-60.9% | $4,028-54.1% |
| Admin fee / account holder | $7,298 | $5,232+39.5% | $6,412+13.8% | $5,404+35.0% |