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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 | $41,073 | $42,917-4.3% | $60,899-32.6% | $68,495-40.0% |
| Participation rate | 38.0% | 66.8%-28.8pp | 73.1%-35.1pp | 67.9%-29.9pp |
| Annual return | 80.80% | -13.99%+94.8pp | 16.92%+63.9pp | -7.84%+88.6pp |
| Employer contribution / active EE | $1,190 | $1,979-39.9% | $2,702-56.0% | $2,596-54.2% |
| Participant deferral / active EE | $2,355 | $2,867-17.9% | $3,817-38.3% | $4,028-41.5% |
| Admin fee / account holder | $1,588 | $3,102-48.8% | $3,225-50.8% | $5,403-70.6% |