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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 | $36,232 | $64,729-44.0% | $112,263-67.7% | $68,490-47.1% |
| Participation rate | 35.7% | 67.2%-31.4pp | 75.1%-39.3pp | 67.9%-32.2pp |
| Annual return | -19.33% | -11.40%-7.9pp | 27.49%-46.8pp | -7.85%-11.5pp |
| Employer contribution / active EE | $1,218 | $2,746-55.6% | $3,636-66.5% | $2,597-53.1% |
| Participant deferral / active EE | $3,358 | $3,566-5.8% | $4,729-29.0% | $4,028-16.6% |
| Admin fee / account holder | $2,936 | $5,222-43.8% | $6,410-54.2% | $5,403-45.7% |