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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 | $41,540 | $53,162-21.9% | $91,225-54.5% | $68,486-39.3% |
| Participation rate | 39.3% | 63.2%-23.9pp | 73.2%-33.9pp | 67.9%-28.6pp |
| Annual return | -18.28% | -3.14%-15.1pp | 114.12%-132.4pp | -7.85%-10.4pp |
| Employer contribution / active EE | $625 | $1,709-63.5% | $2,851-78.1% | $2,597-75.9% |
| Participant deferral / active EE | $2,531 | $2,974-14.9% | $4,233-40.2% | $4,028-37.2% |
| Admin fee / account holder | $3,989 | $4,493-11.2% | $5,422-26.4% | $5,404-26.2% |