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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 | $36,042 | $56,484-36.2% | $169,452-78.7% | $64,173-43.8% |
| Participation rate | 20.0% | 64.5%-44.5pp | 77.8%-57.8pp | 69.6%-49.6pp |
| Annual return | -7.49% | -1.55%-5.9pp | 1.83%-9.3pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,012 | $1,832-44.8% | $4,157-75.7% | $2,381-57.5% |
| Participant deferral / active EE | $1,431 | $3,448-58.5% | $5,277-72.9% | $3,470-58.8% |
| Admin fee / account holder | $1,538 | $4,174-63.2% | $9,110-83.1% | $4,887-68.5% |