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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 | $41,966 | $79,633-47.3% | $93,759-55.2% | $68,486-38.7% |
| Participation rate | 56.0% | 75.4%-19.4pp | 81.0%-25.0pp | 67.9%-11.9pp |
| Annual return | -17.61% | -0.10%-17.5pp | -11.33%-6.3pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,200 | $3,665-67.3% | $4,324-72.3% | $2,597-53.8% |
| Participant deferral / active EE | $2,101 | $5,158-59.3% | $6,096-65.5% | $4,028-47.8% |
| Admin fee / account holder | $35,696 | $6,871+419.5% | $7,197+396.0% | $5,404+560.6% |