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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 | $20,416 | $53,162-61.6% | $91,227-77.6% | $68,490-70.2% |
| Participation rate | 60.0% | 63.2%-3.2pp | 73.2%-13.2pp | 67.9%-7.9pp |
| Annual return | -17.25% | -3.14%-14.1pp | 114.14%-131.4pp | -7.85%-9.4pp |
| Employer contribution / active EE | $1,445 | $1,709-15.4% | $2,851-49.3% | $2,597-44.3% |
| Participant deferral / active EE | $2,430 | $2,974-18.3% | $4,234-42.6% | $4,028-39.7% |
| Admin fee / account holder | $6,858 | $4,493+52.6% | $5,423+26.5% | $5,403+26.9% |