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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 | $28,005 | $45,872-38.9% | $77,100-63.7% | $68,490-59.1% |
| Participation rate | 46.9% | 55.9%-9.0pp | 67.9%-21.0pp | 67.9%-21.0pp |
| Annual return | -17.79% | 1.73%-19.5pp | 42.35%-60.1pp | -7.85%-9.9pp |
| Employer contribution / active EE | $1,351 | $1,650-18.1% | $2,815-52.0% | $2,597-48.0% |
| Participant deferral / active EE | $2,437 | $2,963-17.8% | $4,430-45.0% | $4,028-39.5% |
| Admin fee / account holder | $668 | $3,041-78.0% | $5,443-87.7% | $5,403-87.6% |