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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 | $61,565 | $64,719-4.9% | $112,249-45.2% | $68,486-10.1% |
| Participation rate | 38.5% | 67.2%-28.7pp | 75.1%-36.6pp | 67.9%-29.4pp |
| Annual return | -15.65% | -11.40%-4.3pp | 27.48%-43.1pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,234 | $2,747-55.1% | $3,636-66.1% | $2,597-52.5% |
| Participant deferral / active EE | $2,118 | $3,565-40.6% | $4,729-55.2% | $4,028-47.4% |
| Admin fee / account holder | $2,670 | $5,232-49.0% | $6,412-58.4% | $5,404-50.6% |