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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 | $53,798 | $48,235+11.5% | $68,803-21.8% | $68,490-21.5% |
| Participation rate | 42.1% | 60.7%-18.6pp | 69.0%-26.9pp | 67.9%-25.8pp |
| Annual return | -13.79% | -12.70%-1.1pp | -6.37%-7.4pp | -7.85%-5.9pp |
| Employer contribution / active EE | $1,064 | $1,829-41.8% | $2,656-59.9% | $2,597-59.0% |
| Participant deferral / active EE | $2,210 | $2,867-22.9% | $3,942-43.9% | $4,028-45.1% |
| Admin fee / account holder | $3,863 | $4,361-11.4% | $4,936-21.7% | $5,403-28.5% |