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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 | $22,988 | $65,557-64.9% | $105,736-78.3% | $56,289-59.2% |
| Participation rate | 52.0% | 63.4%-11.4pp | 76.3%-24.4pp | 69.9%-17.9pp |
| Annual return | -1.46% | -1.32%-0.1pp | 6.27%-7.7pp | -9.96%+8.5pp |
| Employer contribution / active EE | $1,701 | $1,788-4.9% | $3,268-48.0% | $2,111-19.4% |
| Participant deferral / active EE | $3,109 | $2,418+28.6% | $4,080-23.8% | $3,350-7.2% |
| Admin fee / account holder | $3,254 | $561+479.6% | $6,913-52.9% | $521+524.6% |