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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 | $29,635 | $45,872-35.4% | $77,096-61.6% | $68,486-56.7% |
| Participation rate | 26.9% | 55.9%-29.0pp | 67.9%-41.0pp | 67.9%-41.0pp |
| Annual return | -18.32% | 1.73%-20.0pp | 42.35%-60.7pp | -7.85%-10.5pp |
| Employer contribution / active EE | $4,617 | $1,650+179.9% | $2,814+64.0% | $2,597+77.8% |
| Participant deferral / active EE | $1,366 | $2,963-53.9% | $4,429-69.2% | $4,028-66.1% |
| Admin fee / account holder | $2,736 | $3,041-10.0% | $5,428-49.6% | $5,404-49.4% |