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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 | $37,860 | $45,872-17.5% | $77,100-50.9% | $68,490-44.7% |
| Participation rate | 50.0% | 55.9%-5.9pp | 67.9%-17.9pp | 67.9%-17.9pp |
| Annual return | -15.06% | 1.73%-16.8pp | 42.35%-57.4pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,244 | $1,650-24.6% | $2,815-55.8% | $2,597-52.1% |
| Participant deferral / active EE | $2,349 | $2,963-20.7% | $4,430-47.0% | $4,028-41.7% |
| Admin fee / account holder | $3,089 | $3,041+1.6% | $5,443-43.2% | $5,403-42.8% |