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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 | $39,531 | $73,863-46.5% | $143,797-72.5% | $68,490-42.3% |
| Participation rate | 19.0% | 66.7%-47.7pp | 80.3%-61.4pp | 67.9%-48.9pp |
| Annual return | -16.36% | 0.91%-17.3pp | -0.04%-16.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $686 | $3,185-78.5% | $4,952-86.1% | $2,597-73.6% |
| Participant deferral / active EE | $1,647 | $3,385-51.3% | $5,638-70.8% | $4,028-59.1% |
| Admin fee / account holder | $3,506 | $5,756-39.1% | $14,679-76.1% | $5,403-35.1% |