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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 | $38,374 | $73,019-47.4% | $90,766-57.7% | $68,490-44.0% |
| Participation rate | 45.6% | 70.8%-25.2pp | 75.7%-30.1pp | 67.9%-22.3pp |
| Annual return | -15.64% | -13.81%-1.8pp | -12.16%-3.5pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,072 | $2,193-51.1% | $2,922-63.3% | $2,597-58.7% |
| Participant deferral / active EE | $2,269 | $3,626-37.4% | $4,565-50.3% | $4,028-43.7% |
| Admin fee / account holder | $2,821 | $5,897-52.2% | $8,446-66.6% | $5,403-47.8% |