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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 | $44,435 | $87,546-49.2% | $75,784-41.4% | $125,389-64.6% |
| Participation rate | 27.3% | 80.2%-52.9pp | 75.8%-48.5pp | 83.2%-55.9pp |
| Annual return | -1.20% | 13.49%-14.7pp | 9.68%-10.9pp | 282.24%-283.4pp |
| Employer contribution / active EE | $1,009 | $3,930-74.3% | $3,323-69.6% | $4,866-79.3% |
| Participant deferral / active EE | $1,009 | $4,230-76.2% | $3,652-72.4% | $5,352-81.2% |
| Admin fee / account holder | $602 | $6,503-90.7% | $5,300-88.6% | $9,541-93.7% |