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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 | $31,840 | $59,834-46.8% | $79,576-60.0% | $68,495-53.5% |
| Participation rate | 51.4% | 61.1%-9.6pp | 69.5%-18.1pp | 67.9%-16.5pp |
| Annual return | -18.47% | -12.30%-6.2pp | 0.15%-18.6pp | -7.84%-10.6pp |
| Employer contribution / active EE | $1,245 | $1,505-17.3% | $2,413-48.4% | $2,596-52.0% |
| Participant deferral / active EE | $2,035 | $3,024-32.7% | $3,985-48.9% | $4,028-49.5% |
| Admin fee / account holder | $1,659 | $4,835-65.7% | $6,834-75.7% | $5,403-69.3% |