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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 | $20,388 | $48,235-57.7% | $68,803-70.4% | $68,490-70.2% |
| Participation rate | 54.5% | 60.7%-6.1pp | 69.0%-14.5pp | 67.9%-13.4pp |
| Annual return | -15.36% | -12.70%-2.7pp | -6.37%-9.0pp | -7.85%-7.5pp |
| Employer contribution / active EE | $1,575 | $1,829-13.9% | $2,656-40.7% | $2,597-39.4% |
| Participant deferral / active EE | $2,006 | $2,867-30.0% | $3,942-49.1% | $4,028-50.2% |
| Admin fee / account holder | $8,021 | $4,361+83.9% | $4,936+62.5% | $5,403+48.5% |