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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 | $34,395 | $64,729-46.9% | $112,263-69.4% | $68,490-49.8% |
| Participation rate | 51.6% | 67.2%-15.5pp | 75.1%-23.4pp | 67.9%-16.3pp |
| Annual return | -17.65% | -11.40%-6.3pp | 27.49%-45.1pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,773 | $2,746-35.4% | $3,636-51.2% | $2,597-31.7% |
| Participant deferral / active EE | $2,255 | $3,566-36.8% | $4,729-52.3% | $4,028-44.0% |
| Admin fee / account holder | $2,684 | $5,222-48.6% | $6,410-58.1% | $5,403-50.3% |