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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 | $41,556 | $59,819-30.5% | $79,583-47.8% | $68,490-39.3% |
| Participation rate | 55.6% | 61.1%-5.5pp | 69.5%-13.9pp | 67.9%-12.3pp |
| Annual return | -18.78% | -12.30%-6.5pp | 0.16%-18.9pp | -7.85%-10.9pp |
| Employer contribution / active EE | $1,395 | $1,505-7.3% | $2,414-42.2% | $2,597-46.3% |
| Participant deferral / active EE | $2,640 | $3,025-12.7% | $3,986-33.8% | $4,028-34.5% |
| Admin fee / account holder | $1,610 | $4,835-66.7% | $6,835-76.5% | $5,403-70.2% |