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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 | $21,663 | $53,162-59.3% | $91,227-76.3% | $68,490-68.4% |
| Participation rate | 48.4% | 63.2%-14.8pp | 73.2%-24.8pp | 67.9%-19.5pp |
| Annual return | -19.84% | -3.14%-16.7pp | 114.14%-134.0pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,163 | $1,709-31.9% | $2,851-59.2% | $2,597-55.2% |
| Participant deferral / active EE | $2,248 | $2,974-24.4% | $4,234-46.9% | $4,028-44.2% |
| Admin fee / account holder | $2,655 | $4,493-40.9% | $5,423-51.0% | $5,403-50.9% |