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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 | $38,611 | $53,546-27.9% | $69,884-44.8% | $68,486-43.6% |
| Participation rate | 49.4% | 64.5%-15.1pp | 70.5%-21.1pp | 67.9%-18.5pp |
| Annual return | -16.92% | -13.87%-3.1pp | 190.81%-207.7pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,237 | $2,019-38.8% | $2,560-51.7% | $2,597-52.4% |
| Participant deferral / active EE | $2,130 | $2,957-28.0% | $3,848-44.7% | $4,028-47.1% |
| Admin fee / account holder | $1,691 | $4,693-64.0% | $6,266-73.0% | $5,404-68.7% |