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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 | $44,096 | $73,863-40.3% | $143,797-69.3% | $68,490-35.6% |
| Participation rate | 61.3% | 66.7%-5.4pp | 80.3%-19.1pp | 67.9%-6.6pp |
| Annual return | -15.82% | 0.91%-16.7pp | -0.04%-15.8pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,339 | $3,185-57.9% | $4,952-73.0% | $2,597-48.4% |
| Participant deferral / active EE | $3,040 | $3,385-10.2% | $5,638-46.1% | $4,028-24.5% |
| Admin fee / account holder | $1,182 | $5,756-79.5% | $14,679-91.9% | $5,403-78.1% |