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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 | $49,623 | $53,546-7.3% | $69,884-29.0% | $68,486-27.5% |
| Participation rate | 40.0% | 64.5%-24.5pp | 70.5%-30.5pp | 67.9%-27.9pp |
| Annual return | -16.70% | -13.87%-2.8pp | 190.81%-207.5pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,478 | $2,019-26.8% | $2,560-42.3% | $2,597-43.1% |
| Participant deferral / active EE | $3,559 | $2,957+20.4% | $3,848-7.5% | $4,028-11.6% |
| Admin fee / account holder | $3,370 | $4,693-28.2% | $6,266-46.2% | $5,404-37.6% |