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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 | $26,709 | $48,235-44.6% | $68,803-61.2% | $68,490-61.0% |
| Participation rate | 41.3% | 60.7%-19.4pp | 69.0%-27.7pp | 67.9%-26.6pp |
| Annual return | -15.41% | -12.70%-2.7pp | -6.37%-9.0pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,721 | $1,829-5.9% | $2,656-35.2% | $2,597-33.7% |
| Participant deferral / active EE | $2,291 | $2,867-20.1% | $3,942-41.9% | $4,028-43.1% |
| Admin fee / account holder | $5,324 | $4,361+22.1% | $4,936+7.9% | $5,403-1.5% |