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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 | $61,348 | $65,453-6.3% | $86,698-29.2% | $66,938-8.4% |
| Participation rate | 37.2% | 75.5%-38.3pp | 76.6%-39.4pp | 69.8%-32.6pp |
| Annual return | -17.80% | -10.89%-6.9pp | 35.95%-53.7pp | 1.58%-19.4pp |
| Employer contribution / active EE | $1,338 | $2,154-37.9% | $2,837-52.8% | $2,545-47.4% |
| Participant deferral / active EE | $2,389 | $4,102-41.8% | $4,656-48.7% | $4,238-43.6% |
| Admin fee / account holder | $3,952 | $642+515.7% | $7,493-47.3% | $594+565.9% |