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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 | $25,091 | $64,716-61.2% | $112,258-77.6% | $68,495-63.4% |
| Participation rate | 56.6% | 67.2%-10.6pp | 75.1%-18.5pp | 67.9%-11.3pp |
| Annual return | -13.30% | -11.40%-1.9pp | 27.47%-40.8pp | -7.84%-5.5pp |
| Employer contribution / active EE | $1,428 | $2,746-48.0% | $3,636-60.7% | $2,596-45.0% |
| Participant deferral / active EE | $2,721 | $3,565-23.7% | $4,728-42.4% | $4,028-32.4% |
| Admin fee / account holder | $2,013 | $5,232-61.5% | $6,411-68.6% | $5,403-62.7% |