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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 | $45,931 | $48,267-4.8% | $68,794-33.2% | $68,495-32.9% |
| Participation rate | 44.2% | 60.7%-16.5pp | 69.0%-24.9pp | 67.9%-23.7pp |
| Annual return | -15.76% | -12.70%-3.1pp | -6.37%-9.4pp | -7.84%-7.9pp |
| Employer contribution / active EE | $1,031 | $1,829-43.6% | $2,656-61.2% | $2,596-60.3% |
| Participant deferral / active EE | $1,779 | $2,867-37.9% | $3,941-54.9% | $4,028-55.8% |
| Admin fee / account holder | $4,747 | $4,362+8.8% | $4,934-3.8% | $5,403-12.1% |