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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 | $43,129 | $45,872-6.0% | $77,096-44.1% | $68,486-37.0% |
| Participation rate | 42.9% | 55.9%-13.1pp | 67.9%-25.1pp | 67.9%-25.0pp |
| Annual return | -19.03% | 1.73%-20.8pp | 42.35%-61.4pp | -7.85%-11.2pp |
| Employer contribution / active EE | $415 | $1,650-74.9% | $2,814-85.3% | $2,597-84.0% |
| Participant deferral / active EE | $2,611 | $2,963-11.9% | $4,429-41.1% | $4,028-35.2% |
| Admin fee / account holder | $1,222 | $3,041-59.8% | $5,428-77.5% | $5,404-77.4% |